vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 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: FL

Complaint narrative:
In XX/XX/year>, I ended all services with a merchant and did not authorize any further transactions after that time. Despite this, in XX/XX/year>, multiple charges were processed from my Bank of America account by that same merchant. These transactions were not authorized. The total amount of the unauthorized charges is over {$1000.00}, and they were taken in several separate transactions. As soon as I noticed the charges, I contacted Bank of America to report the issue and dispute the transactions. I also went in person to address the situation directly, but the issue was not resolved. The charges were not properly reversed, and I was not given a clear or fair resolution. I have made multiple attempts to resolve this matter, but the bank has failed to provide adequate protection or properly investigate the unauthorized activity. I am now seeking assistance to have these charges fully reversed and to ensure that my account is protected from further unauthorized transactions.

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I contacted Capital One numerous times concerning a credit card fraudulently put under my name using my information that was compromised through my XXXXXXXX XXXX account which was used to open a credit card. I made them aware that it was never applied by me since Ive last had a credit card with them and paid off. When asking how it was applied I was denied any information concerning that even though they were holding me responsible for the account which they claimed was used with my information to activate which the card was never sent to me. I have no full knowledge of the actual credit card number of the card. As many complaints I have filed it is still held against me and I want it removed from my reports being it was compromised information. The credit reporting agencies have been made aware of this issue as well. I will not have my identity compromised and used on my personal information. If Im to be responsible they should send me a letter with exact information used to apply for the credit card their holding me responsible for

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XXXX XXXX posted an ad on her XXXX page on XX/XX/XXXX around XXXX advertising the sale of a XXXX XXXX XXXX with XXXX miles on it. I thought this would be a great vehicle for my XXXX veteran wife to get around in. I contacted this person whom was my friend on XXXX and inquired about this car. she asked for a {$500.00} deposit to hold the car because so many people was inquiring about the car. I never talked to her on the phone just through XXXX messages. after sending the {$500.00} deposit by chase XXXX i tried to call her on XXXX and on her cell phone that was provided on the app and there was no answer. after the money had been sent I was deleted from the XXXX page. I then did research that confirmed that this page was hacked and an imposter was posing as XXXX XXXX. I then immediately contacted my bank, j p Morgan chase. they said i could cancel the payment when I called to confirm the payment was delivered. Only when I called to cancel the payment chase told me I couldn't and I had to call XXXX. XXXX told me I had to call chase online app support for help. if there is any way I can get my {$500.00} dollar back it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
The issue is with Affirm ( affirm.com ) My identity is incorrectly linked to a phone number that is not mine. I am unable to access or update my account because the verification system fails and times out. Customer support has not resolved the issue. I am requesting that Affirm unlink my identity from the incorrect account and allow me to register or update my correct phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: IN

Complaint narrative:
Complaint Description : On XX/XX/year>, an unauthorized debit card transaction of {$600.00} occurred involving my account through Cash App. I did not initiate or authorize this transaction. The transaction took place immediately after I received multiple spoofed phone calls from individuals impersonating Cash App support, which indicates this was a fraud/social engineering incident. The funds were added to my Cash App account and then sent out to an individual ( XXXX XXXX ) without my authorization. I promptly reported this to Cash App and my bank, XXXX XXXX XXXX. Cash App denied my claim stating the transaction was initiated from my device. However, this does not account for fraud involving deception, impersonation, or unauthorized access gained through spoofing. Under the Electronic Fund Transfer Act ( Regulation E ), this qualifies as an unauthorized electronic funds transfer. I am requesting : A full investigation of this transaction Reversal/refund of the {$600.00} unauthorized debit Documentation of the device, IP address, and authentication used Explanation of how this transaction was determined to be authorized This issue remains unresolved despite my attempts to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The amount is {$1700.00} allegedly from XXXX debt owedI. Did not authorize or approve of this transaction between Midland Credit Management and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have copies of two Mortgages and all payoff information that was provided to me in XXXX while inquiring about a trust my father had XXXX XXXX XXXX this is concerning resided at XXXX XXXX XXXX XXXX XXXX XXXX number XXXX XXXX pay off XXXX .. instrument number XXXX have reported to Wells and Fargo that my father XXXX XXXX XXXX has been a victim of fraud using his signature to add 3more pages to a mortgage that is decades old .. The XXXX mortgage has not been touched as of yet XXXX XXXX loan number. Im submitting the two mortgages and you will see how the XXXX has been altered and a case of mortgage fraud and stolen identity is the issue here. You will see the XXXX mortgage has crossouts of legal descriptions of property a PUD has been added and also a PURCHASES MONEY MORTGAGE has been added meaning the Seller of the Property XXXX XXXX Purchased in XXXX lent him money to buy home .. The home was a new build no seller was involved .. The home is located in XXXX XXXX XXXX in a SUBDIVISION AND NO PUD is NEEDED A XXXX SUBDIVISONALSO there was a rider added to XXXX Mortgage that rider would also have had to appear on the XXXX mortgage because of the PUD that was added.TOTTALY ILLEGAL AND STOLEN DEAD MANS IDENTITY I HAVE ALL COPIES OF MORTGAGES AND PAYOFFS TRUSTS ECTWELL AND FARGO ALSO HAS FROM XXXX AND XXXX CORRECT MORTGAGE FROM XXXX THAT THEY WELLS AND FARGO REFUSE TO ADMIT POSSIBLE FRAUD THIS IS TOTALLY UNACCETABLE AND CHARGES ARE COMING BUT WELLS AND FARGO NEEDS TO ADMIT THE PART THEY HAVE PLAYED IN THIS FRAUD AGAINST A DEAD MAN..

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
This is effecting me XXXX & messing with apply for things in my name This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
My account access was limited on XX/XX/year> I have called three times and was hung up on. I am a XXXX with a medical necessity for these funds and a dependent child. I have reviewed my account and confirm there is no unauthorized activity. I am demanding an immediate review and release of my funds. If this is not resolved within XXXX hours, I am filing a formal complaint with the CFPB and the XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MN

Complaint narrative:
Company Name : U.S. Bank Complaint Category : Checking or savings account -> Problem with a transaction Issue : Transaction was not authorized / Fraudulent merchant Complaint Description : I am filing this complaint because US Bank has closed a fraud investigation without conducting a " reasonable investigation '' as required by federal law ( Regulation E ). The Incident : On XX/XX/year>, I contacted a locksmith who quoted {$150.00}. Upon arrival, the individual damaged my property and charged $ XXXX 460 % increase from the quote. The " receipt '' provided contained no company name, address, or phone numberonly the generic phrase " locksmith services. '' Evidence of Fraudulent Identity : Merchant Misrepresentation : The bank provided me with a phone number for the merchant on file. I called that number, and it belonged to a legitimate local locksmith company. That company confirmed they have no record of me, no record of the service, and that the person who came to my home was not their employee. Criminal Activity : I filed a police report with the XXXX XXXX XXXX XXXX # XXXX. The police investigation confirmed that the phone number used by the " locksmith '' was an untraceable burner phone that is now disconnected. Ghost Merchant : There is no physical business or registered entity corresponding to the " receipt '' provided. The Banks Failure : The banks fraud department denied my claim solely because a signature exists on a generic slip of paper. They have completely ignored the fact that the " merchant '' is a fraudulent actor using a legitimate company 's identity to process payments. By refusing to investigate the discrepancy between the merchant 's processing name and the actual person who performed the " service, '' the bank is facilitating a known criminal " phantom locksmith '' scam.

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing this formal complaint against American Express Bank, N.A. for failure to conduct a reasonable investigation, continued reporting of unverifiable information, and violations of the Fair Credit Reporting Act ( FCRA ). On XXXX, I sent American Express a formal written dispute and demand for verification regarding account. In my dispute, I clearly challenged : The accuracy of the account The validity of the alleged obligation Their authority to report this account Their method of verification I requested specific documentation supporting their claim, including : Account origination records Full payment history Method of verification used under FCRA Proof of their authority to report the account FAILURE TO COMPLY WITH FEDERAL LAW American Express responded by claiming the account was verified, however : They FAILED to provide any substantive documentation supporting their verification They FAILED to explain the method of verification as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) They FAILED to provide evidence that a reasonable investigation was conducted They CONTINUE reporting this account despite it being disputed and unverifiable This is a direct violation of : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable investigation 15 U.S.C. 1681s-2 ( b ) Failure of furnisher to properly investigate disputed information 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy KEY ISSUE : VERIFIED WITHOUT PROOF American Express is improperly using an automated or superficial process to claim verification without : Reviewing actual account-level documentation Providing any evidence to the consumer Demonstrating how the information was verified A generic or automated response DOES NOT satisfy FCRA requirements . This is a systemic issue and constitutes furnishing inaccurate or unverified information to consumer reporting agencies. ONGOING HARM Because of American Express actions, I am experiencing : Damage to my credit profile Potential denial of credit opportunities Financial and reputational harm

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Cedars Business Services, LLC
State: GA

Complaint narrative:
( Cedar business service ) XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} Collection Agency Pursuing to consumer law 15 USC 1692 E ) ( 15 USC 1692 J They Are Not Your Original debtor and you dont have a signed agreement with them. DELETE LATE PAYMENT 15 U.S. CODE 1666 ( b ) DELETE COLLECTIONS 15 U.S. CODE 1692 ( g ) DELETE CHARGE OFFS 15 U.S. CODE 1681 ( c ) 2 / 1681e ( b ) DELETE REPOS 15 U.S CODE 1681 ( s ) 15 USC 1681- FCRA 15 USC 1692 - FDCPA 15 USC 1601- TILA 15 USC 1691- ECOA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I am writing to formally dispute an eviction-related account that appears on my credit report. This letter serves as a request for investigation pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is inaccurate and incomplete for the following reasons : 1. Inaccurate Amount Owed The balance being reported is incorrect and does not reflect the true amount, if any, that may have been owed. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report. The current reporting fails to meet this standard. 2. Improper Sale/Assignment to a Third Party This alleged debt has reportedly been sold or assigned to a third-party collection agency. However, I have not received proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Furthermore, if the original creditor transferred the account, they must report a zero balance, and any duplicate or inconsistent reporting is a violation of federal law. 3. Failure to Verify Debt Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of disputed information. If this account can not be fully verified with accurate documentation, it must be deleted from my credit report. Given these issues, I am requesting the following : A full reinvestigation of this account Verification of the original lease, payment ledger, and itemized charges Verification of the legal authority of any third-party collector to report this debt Immediate deletion of this account if it can not be properly verified If this information can not be substantiated within the required 30-day period, you are obligated under federal law to remove it from my credit file. Please provide me with written confirmation of your investigation results. I have enclosed copies of any relevant documentation supporting my dispute. Please note that this is not a refusal to pay, but a notice that your claim is disputed and validation is required. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: CA

Complaint narrative:
In XX/XX/year>, a netspend prepaid card was purchased for {$120.00}. XXXX kept declining and attempts to activate the card failed. When going to webstie and putting card info for activation it would take to login and say welcome depsite never making a account. XX/XX/XXXX I called the bank XXXX times and sent XXXX emails requesting an explanation and instructions to either activate the card or refund the funds. The bank repeatedly stated the account information i gave my social name address etc does not match and refused to help me when i told them i never made a account and someone could have stole it or somethings wrong on there side. They also promised limited funds of XXXX would be applied immediately to XXXX minutes, XX/XX/XXXX now but no funds were released and the card remains inactive for XXXX days after they said limited funds would be added. Despite repeated attempts to resolve the issue, the bank has not provided assistance or a refund.

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 2026-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I voluntarily surrendered my vehicle to Westlake Financial. After the surrender, I did not receive any notices, updates, or documentation about the status of the vehicle. They never sent me : Notice of intention to sell the vehicle Notice of sale date/time Final sale results Any deficiency balance explanation or breakdown Any proof that I legally owe the amount they are reporting Under consumer law, I should receive documentation explaining the sale of my surrendered vehicle and how they calculated any remaining balance. I received nothing. Despite this, Westlake continues to report a negative balance/charge-off to the credit bureaus. I am asking the CFPB to investigate and require Westlake to either provide full validation of the debt or correct/delete the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: TN

Complaint narrative:
On XX/XX/year>, I purchased a {$960.00} airfare from XXXX XXXX for my daughter using my Klarna account. After Klarna applied interest for the purchase, the balance due increased to {$1000.00}. I subsequently canceled the airfare on XX/XX/year>, because of air-space restrictions in the region where we were planning to travel. XXXX processed a refund of {$720.00} ( at that time ) for the canceled airfare that was applied as a credit to my Klarna account. The next month, I received an email statement ( which Ive requested a copy of ) indicating the credit had been applied to my account and the balance due was approximately {$290.00}. When I attempted to make the monthly payment of {$290.00}, the app required me to pay the full {$1000.00} instead of the balance due after the credit had been applied. I reached out to Klarna to request the balance due be corrected, so they froze my account while they attempted to correct the problem. Even though my XXXX credit had been applied in XXXX, Klarna never corrected my balance due, but instead wanted me to pay the full purchase amount and to accept a credit of {$720.00} on my account for future purchases. I informed them I would not be making future purchases and wanted to pay only the balance due. The cycle below went on every month : Me receiving a monthly email statement indicating the credit had been applied to my account and the balance due was approximately {$290.00}, but now more interest was being applied Me attempting to pay only the balance due after the credit had been applied The app requiring me to pay the full purchase amount plus the additional interest Me reaching out to Klarna to correct the balance due to reflect the purchase price PLUS interest MINUS the credit Klarna being unable to correct the amount I had to pay I am reaching out to file a complaint with CFPB because Klarna has placed my account with a collection agency.

Company response to consumer: Closed with explanation