vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 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: MA

Complaint narrative:
They closed it for no good reason I have been paying my bills on time with my husband card and some charges were reversed due to his card not working not mine or my personal account no reason why it should have been closed my account and theyre offering me XXXX cards when my card had XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: TN

Complaint narrative:
My cash app account was taken over they put their card on my account and withdraw all my money XXXX I been waiting 13 days bout to get put out can't pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
After seeing a {$990.00} charge on my checking account from an international company i've never even heard of called XXXX I contacted my bank and was told it could take up to XXXX buisness day to get the money back. I called a couple more times to check up on the claim through out that week and was actually given the provisional credit which I was thankful for. I checked back that night to realize that the dispute reason was changed from unavailable to Don't remember this transaction. this rubbed me the wrong way because it kind of implys that I did it and don't remember when I didn't make the purchase at all. I called today which is the end of the XXXX day deadline and spoke with an empolyee as well as a XXXX and they both told me it would be extended from XXXX days. One of the employees argued with me after asking for a supervisor when I found out the dispute reason changed. Horrible expierence I hope no one ever has to go through. Hopefully you guys have access to the recorded phone calls to hear everthing. Thank You

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 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Complaint Against American Express Unfair Credit Restriction , Financial Review Practices, and Refusal to Refund Fees I am filing this complaint regarding the handling of my business and personal credit card accounts by American Express. I have been an American Express customer since XXXX and have maintained multiple accounts over the years. During this entire relationship, I have never missed a payment or been late on any account. I have consistently maintained my accounts in good standing and relied on American Express for both personal and business spending. American Express aggressively marketed premium business credit card products to me through mailed offers sent directly to my home for my businesses. Based on these solicitations, I applied for and opened XXXX premium business cards, including cards carrying annual fees of approximately {$890.00}, {$890.00} and {$370.00}. Before approving these accounts, American Express performed credit inquiries and approved me based on their underwriting standards. After approval, I began using the cards for legitimate business expenses. One business transaction exceeding {$10000.00} triggered a financial review. Following that transaction, American Express froze or restricted my accounts and required submission of sensitive tax information through Form XXXX. I fully cooperated and submitted all requested documentation promptly. Despite my cooperation and spotless payment history, American Express drastically reduced my credit limits to levels that make these premium business cards effectively unusable for legitimate business operations. The reduced limits are inconsistent with the intended purpose of these cards and inconsistent with the premium annual fees charged. As a business owner operating multiple businesses, these sudden restrictions caused substantial disruption. Legitimate business purchases were declined, recurring merchant charges had to be updated, and normal operations were interrupted. American Express has also refused to refund or prorate annual fees despite materially reducing the utility of the products after approval and payment of fees. I believe this conduct is unfair and unreasonable because : - American Express actively marketed and approved premium business credit products. - They accepted annual fees for premium services and spending capacity. - They later imposed severe credit restrictions after account opening and usage. - I fully complied with all documentation requests. - My long-standing relationship and perfect payment history were not meaningfully considered. - The cards no longer function as advertised or reasonably expected for business use. - I was denied a fair refund despite a significant reduction in account utility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union for violations of federal mortgage servicing rules, specifically Regulation X under RESPA, in connection with my Home Equity Line of Credit ( HELOC ) account. Upon experiencing a temporary financial hardship, I proactively contacted Navy Federal Credit Union BEFORE any payments were missed. I submitted ALL requested hardship documentation in a timely manner. I was verbally assured by Navy Federal representatives that my payments would be paused and that my application was being processed. I was told not to worry. Despite these assurances, Navy Federal Credit Union : 1. FAILED to acknowledge my loss mitigation application within the federally required XXXX window 2. FAILED to respond to my application within the required 30-day window 3. FAILED to communicate any decision, request for additional documentation, or status update 4. CONTINUED to report XXXX, XXXX, and XXXX late payments to credit bureaus while my application was pending a direct violation of dual tracking prohibitions 5. INITIATED foreclosure proceedings while my loss mitigation application was actively pending 6. CAUSED severe and ongoing damage to my credit profile through their failure to act I made repeated attempts to contact Navy Federal Credit Union via phone and written correspondence. I documented all communications. At no point did Navy Federal Credit Union fulfill their legal obligation to process my loss mitigation application or communicate a decision. The foreclosure proceeding currently reflected on my account and credit report is a direct result of Navy Federal Credit Union 's failure NOT my failure as a borrower. Prior to this hardship, I maintained a consistent, on-time payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: FL

Complaint narrative:
I am a XXXX filing this complaint against Citibank regarding a {$1400.00} charge ( Merchant : XXXX XXXX ). This process was handled entirely via telephone with bank staff, whose persistent human and technical errors have denied my consumer rights. Key Points of Negligence : 1. Incorrect Categorization : I initially filed this as a " cancellation, '' but I formally requested staff to change it to " Merchandise Not Received '' ( as documented in my attached letters from XX/XX/XXXX and XX/XX/XXXX ). The bank 's staff failed to update the category, leading them to demand an impossible " credit slip '' instead of proof of delivery from the merchant. 2. Internal Duplication : Bank staff opened two duplicate disputes for the same charge ( Case IDs : XXXX and XXXX ). On XX/XX/XXXX, the bank admitted in writing this was an error. This duplication caused a technical conflict that blocked my case and made the dispute disappear from my online portal. 3. Misleading Guidance : I was repeatedly told by staff to " call back in 7 days, '' which I did religiously. These delays, caused by the banks own staff and their duplicate filings, are now being used against me to claim the " timeframe has passed. '' 4. Automated Failure : Because of the duplicate cases opened by staff, the system automatically closed the investigation as a " loss '' rather than resolving the technical error. I have acted in good faith, provided chronological proof, and repeatedly tried to correct the bank 's errors. I request a senior executive review of the attached letters and the permanent reversal of this charge.

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 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
I recently got a financed through American Credit Acceptance and just on Tuesday- I went online to process a payment - the webpage kept giving me issues and therefore I reached out via chat to get assistance. When I was assisted by a representative with the name of XXXX XXXX She sent me a " secure form '' to enter my debit card information. Mind you, I have never given my debit card number out before, unless I enter it myself. Just yesterday XX/XX/year> - my account was utilized fraudulently to make multiple XXXX purchases. I currently have my bank investigating further, but I will be filing a police report as well to get to the bottom of this. I am 99 % sure this person or someone affiliated to them used my card. I no longer feel comfortable with this company processing any type of payments on their end, unless I do it myself. I will be requesting that this company do their due diligence on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: EGL US, LLC
State: FL

Complaint narrative:
BMG money is using a bait & switch tactic, promising future refinancing to secure a high-interest loan initially, only to deny it later. This deceptive practice is an act of predatory lending, which is illegal. BMG is misrepresenting loan terms and not give the necessary requirements nor reason of refinancing denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX sent a bill to collections that I do not owe and it's hurting my credit. How is this legal? Many people online say the same thing has happened to them. I paid monthly there's no way I owe {$650.00}. This is fraud plain and simple.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing this complaint regarding my account with Chime, which was closed without prior notice. At the time of closure, my account had a remaining balance of approximately {$510.00}. I was never notified in advance that my account would be closed. After discovering the closure, I contacted Chime customer support and was initially told that I would receive a check in the mail for my remaining balance. However, after waiting over 30 days and not receiving anything, I contacted them again. During my follow-up, I was given conflicting information. I was then told that the funds had been sent via wire transfer. When I asked for details such as the date of the transfer, the destination account, or a wire trace number, Chime representatives stated that they have no record of the transaction. At this point : I have not received my funds by check or wire Chime has provided conflicting explanations Chime can not provide any documentation or proof of disbursement It has been more than 30 days since I was told the funds would be returned I have also filed for bankruptcy, and I am requesting clarification on whether these funds were sent to my bankruptcy trustee. However, Chime has not provided any confirmation of this either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
Card was locked due to an unauthorized charge. Company asked for verificaiton which I provided. It has been several weeks with no response after multiple inquiries to status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I am filing a complaint regarding a duplicate withdrawal of {$180.00} from my bank account by PayPal. A transaction with XXXX resulted in a negative PayPal balance of {$180.00} after the initial bank funding attempt failed. I resolved this by logging into my PayPal account and paying the negative balance in full directly through PayPal. After I paid the balance, PayPal still initiated and completed an additional {$180.00} debit from my bank account ( XXXX ). This resulted in me paying the same amount twice. PayPal customer support has confirmed that this second debit was part of an automated process, but they are requiring me to wait several days for the funds to be returned to my PayPal balance instead of reversing the duplicate withdrawal back to my bank account. This delay has caused financial hardship and impacted my ability to pay bills. I believe PayPal should not have withdrawn additional funds after the balance was already resolved, and the funds should be returned promptly to my bank account, not held in my PayPal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: PR

Complaint narrative:
Ive been getting text messages by Shepherd Outsourcing about a XXXX XXXX XXXX XXXX XXXX XXXX while they address me with the name of a person I dont know of

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Sezzle Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received {$60.00} in Sezzle promotional cash. On XX/XX/XXXX, I placed an order through XXXX totaling {$100.00} in order to apply the {$60.00} Sezzle cash. I received confirmation that the order was successfully placed under order XXXX XXXX. Based on this, my remaining balance was {$47.00}, and my payment plan was adjusted from four payments to two.However, today I noticed that Sezzle cancelled the original order on their end and created a new order under XXXX XXXXXXXX for the same amount of {$100.00}. I contacted XXXX directly to confirm whether my order had ever been cancelled, and they confirmed that it was not cancelled, that all items were shipped and delivered, and that only one order exists on their system.This creates a serious issue : Sezzle has effectively rebilled me for the full {$100.00} and removed the {$60.00} promotional cash that was originally applied, resulting in me being charged more than agreed upon.This appears to be a misrepresentation of the original transaction and promotional terms. I am requesting that Sezzle honor the original order terms, reinstate the {$60.00} promotional cash, and correct my billing accordingly to reflect I only owe Sezzle {$14.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I was scammed by an XXXX seller I reported the seller to XXXX and the store did get closed down however my bank wont refund me the stolen money when I filled a dispute The seller stole my tracking number from my package from target two different stores I have posted pictures of the stolen tracking number

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 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I discovered there was a charge on my XXXX account to XXXX on the XXXX of XXXX for XXXX. I have not used doordash since 2025. I contacted XXXX via email and disputed the charge. They came back and said that it matched my spending patterns... which it DID NOT! I typically only use it between family and don't use XXXX for a delivery service. So, I disputed again and I attached a screenshot from XXXX showing them my last order from doordash was from 2025. They again came back... this time telling me to contact " the person I transacted with '' XXXX XXXX XXXX and dispute with them and to contact the poloce. This makes ZERO sense. How am I going to dispute a transaction with someone i never transacted with? And what are the police going to do about a {$36.00} online charge? I explained that my phone has had some issues that seem like someone had been in my phone and I already had my phone carrier working on it. However, XXXX is being EXTREMELY unprofessional and unhelpful with this fraudulent charge. Especially since it was pulled through venmo ... out of my checking account and made another payment bounce. I have asked them to escalate the dispute but they have brushed me off and closed the dispute TWICE. I HAVE INCLUDED SCREENSHOTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I sent my hair stylist {$75.00} dollars through cash app as I have done before. My stylist then tells me she no longer has a Cash App account. I tried with my stylist present to reverse the charges through Cash App. The app is asking her to add her banking information and or debit/credit card to continue. She doesnt want to do this because she has had issues before with clients reversing charges and Cash App holding her responsible this is why she closed her cas app account. When I called and spoke with Cash App they informed me that she does have an active account but no cards on file and the request to close her Cash App never took place. I explained to Cash App that is no cards are on file would an account automatically close they said yes but this one didnt. Now my {$75.00} dollars is held why Cash App. Send it back to me. This is fraud and unacceptable. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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