vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
Crypto.com has had many updates in the last 18 months which deleted my ability to use biometrics to log in. It forced me to use a passcode, which after a recent update no longer works. I tried resetting the passcode but that just made it worse. Now I can not even get through to a live agent without a long period of tests, question, resetting the app, and other aggravating problems in order to bypass their useless AI chat bots. Once I get to someone, they tell me the same troubleshooting things which I have already done and been doing. Then they act like I'm a XXXX and I'm doing something wrong or lying about what I'm doing. I had to give them a Pic of my ID and. Video of my face. My last name is recently updated because I got married but can not get into my account to change or update anything at all. I just want access to my account. I'm ready to liquidate everything even at a loss and put it all on the Robinhood app. They still have not helped me. I can't even access the old chats because I can not log in. This is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
On XX/XX/year>, I sent a written settlement and deletion proposal via email to Jefferson Capital Systems at XXXX regarding a XXXX XXXX account ( XXXX Reference Number XXXX, account ending in XXXX ). I proposed a settlement of {$390.00} with deletion of the tradeline from all three credit bureaus upon payment. On XX/XX/year>, Jefferson Capital responded with a generic template directing me to their website ( XXXX ). I replied the same day requesting written settlement terms. They responded again with only a phone number ( XXXX ), refusing to engage in writing. I replied twice more that day insisting on written communication per my rights under the FDCPA. On XX/XX/year>, I sent follow-up emails to both XXXX and their compliance department. I received no substantive response. It has now been over six months with no written response to my settlement request. Additionally, this account is reporting with inconsistent account numbers across all three credit bureaus, raising accuracy concerns under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union ( NFCU ) has placed an absolute restriction on my account, entirely blocking my access and preventing me from processing payments to my credit card. Despite actively blocking my ability to make payments, NFCU is systematically reporting the account as past due to the credit bureaus. Furthermore, NFCU has illegally removed funds from my checking account without authorization while keeping the account fully restricted. Between XX/XX/XXXX and XX/XX/XXXX, I have made 12 separate phone calls to Navy Federal trying to resolve this restriction and pay my balances. I visited a NFCU location and submitted all documents necesary. I have sent written email communications to their Security Department and directly to the CEO. I have also filed an initial CFPB report and official police reports regarding this matter. Despite these extensive efforts and providing proof of police reports, the credit union continues to enforce the restriction, withhold my funds, and illegally report overdue credit card payments that they are preventing me from paying.The company provides generic responses with no memebr assistance, no resolution, and illegally taking money from the accounts that were not theirs to take, now they are using credit discreopancy tactisc as a rebuttal due to the complaints i continue to file and will not stop filing until this is corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
It seen XXXX every time i get paid Chase is taking half of my income in overdraft fees. I do my budget thinking thay it enough to cover bill and have a lottle extra but by the end of the week ot showing a XXXX balance and overdraft fees being added to my account. I often say they are stealing my money because my check can not be finished. In one month i pay over {$400.00} in over draft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
Account was opened to buy Crypto then closed and restricted. I have contacted the firm numerous times and unable to retrieve funds or receive an explanation or method to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I filed a dispute with Cash App after paying for an item through the app that I did not receive. Instead of resolving the dispute or giving a clear explanation, Cash App closed my account. I also had a prior similar issue involving a XXXX XXXX-related purchase where I did not receive what I paid for, filed a dispute, and the dispute was closed without a proper resolution. During that prior situation, Cash App also tried to close my account. My concern is that Cash App is not properly reviewing item-not-received disputes and is closing or attempting to close accounts instead of resolving the transaction problems. I asked Cash App for a manual review, a specific written reason for the account closure, identification of the transaction or activity that caused the closure, review of my current dispute, review of the prior XXXX XXXXrelated dispute, and instructions for accessing my funds and transaction history. Cash App gave me only a general closure message and said an appeal was routed for review, but did not provide a specific explanation or resolve the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am submitting this complaint regarding the closure of my Apple Card account after I was the victim of unauthorized transactions resulting from a stolen device and compromised digital card access. As of today, all disputed transactions connected to this fraud incident have been investigated and resolved in my favor as unauthorized transactions. Despite this, my Apple Card account remains closed. Background One of my personal devices was stolen, and unauthorized purchases were made using my Apple Card digital/virtual card. I never authorized these transactions and never gave anyone permission to use my card. On XX/XX/year>, I reported my card as compromised and requested a replacement card. On XX/XX/year>, after additional unauthorized charges occurred, I contacted Apple Card Support and was informed : The card that was used was your Digital card, that one cant be disabled but we can block your card if youd like. I was also instructed to reset my XXXX XXXX password and select Sign Out Other Devices to remove any unauthorized access to my XXXX account. I completed those steps immediately. After securing my XXXXXXXX XXXX and removing unauthorized devices, no further fraudulent transactions occurred. Despite my prompt reporting, cooperation, and compliance with all requested security measures, my Apple Card account was placed under review and closed on XX/XX/year>. Dispute Findings All disputed transactions associated with this incident have now been resolved in my favor as unauthorized transactions by Goldman Sachs. These findings confirm : * I did not authorize the charges; * The transactions were the result of unauthorized access; * I acted promptly to report and mitigate the fraud ; and * I fully cooperated throughout the investigation process. Improper Account Closure I had been an Apple Card customer for over three years without incident prior to this fraud event. My account was maintained in good standing, and I was a responsible cardholder. The closure of my account appears to have resulted solely from fraudulent activity committed by an unauthorized third party, not from any misconduct or misuse on my part. Because Goldman Sachs ultimately determined that all disputed transactions were unauthorized, I believe the continued closure of my account is unfair and unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
This debt was taken off my credit then it was put back on they sent it to another third party creditor. Its not my debt its ruining my credit they keep reporting it and I have write to dispute this debt over and over again its from att.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: FL

Complaint narrative:
Debt was paid in full and is now at a XXXX balance asking for the debt to be removed from all credit collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
On XX/XX/year> I called to move credit line availability from several of my Chase credit cards to one specific Chase card ( # XXXX ) in anticipation of a large purchase. However, part of my credit line availability " disappeared '' and no one can explain what happened. I have spoken to Fraud reps who have verified me but told me my card is not currently usable. I have travel planned and a large time sensitive purchase I must make and I am unable to use my credit card with the largest credit line. No one can explain why. No one even seems to care .. 3 phone calls totaling 3 hours and they still can't figure it out. Note : this is not a derogatory action taken on missed payments, change of employment etc. This is an error made by a Chase employee and no one knows how to resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-13 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: CA

Complaint narrative:
Account Ending In : XXXX Bank of America Claim Number : XXXX I am writing to file a formal complaint against Bank of America regarding their refusal to fully credit my account for a series of fraudulent, recurring charges. Background of the Claim : I recently discovered multiple fraudulent transactions on my account and filed a claim totaling {$6900.00}. After an initial investigation concluding on XX/XX/XXXX, Bank of America issued a partial credit of {$1600.00}. However, they determined there wasn't an error on the remaining transactions, denying a significant portion of the claim and leaving me responsible for {$5300.00} in fraudulent charges. These unauthorized transactions spanned from XX/XX/XXXX to XX/XX/XXXX. I appealed this decision, requesting a full credit for all unauthorized charges. On XX/XX/XXXX, Bank of America sent a follow-up letter stating they had completed a re-evaluation of my disputes. Unfortunately, they upheld their original decision and stated the initial credit for {$5300.00} would be removed from my account. In both their initial letter and their appeal denial letter, Bank of America explicitly stated their reason for denial was that they confirmed statements were mailed to the address provided for this claim and payments had been made on the account. While it is true that I filed the fraud claim later than expected and had been making payments on the account, the bank 's conclusion ignores the necessary context of the situation : I never received the physical billing statements that the bank claims were mailed to my address. Because I was not receiving detailed statements, I was entirely unaware that these specific, recurring fraudulent charges were being posted to my account. I continued to pay the minimum balance in good faith to keep my account in good standing, not realizing that I was inadvertently paying toward unauthorized charges.

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 2026-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-05-13 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: NY

Complaint narrative:
I opened an American Express card and was charged a {$150.00} annual fee on XX/XX/year>. I spoke with two representatives to close the account on XX/XX/year>, they both confirmed I would receive a prorated credit to the account for the annual fee. I spoke with a representative on XX/XX/year> via the chat feature to inquire about when the credit would post to the account and was told no credit would be issued. I called and requested to speak with a supervisor, I spoke with XXXX, who stated she would listen to the recordings from XX/XX/year> to see if I was told I would receive a prorated credit. She placed me on hold to listen to the recordings and came back to state it sounds like the second representative said ok to my inquiry about the prorated credit but its unclear.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/year>, I deposited {$990.00} in cash at a Chase ATM located at the drive-through ATM outside the Chase branch at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX. The ATM indicated the transaction did not go through. I was instructed to contact Chase 's claims line, which I did promptly. I was assigned Claim Number XXXX. I recently received written notification from Chase stating that they determined I only deposited {$480.00} not {$990.00} and that they would be withdrawing {$510.00} from my account on or after XX/XX/year>. That withdrawal has now occurred. I am disputing this determination in its entirety. I deposited {$990.00} in cash. I am a bartender and routinely make large cash deposits at Chase ATMs ; this was not an unusual transaction for me. Chase 's written determination contains several significant problems : The letter refers to 'partial credit of the disputed amount from the merchant/third-party/financial institution. ' There is no merchant, third party, or separate financial institution involved in a cash ATM deposit. This is boilerplate language that appears to have been generated by the wrong claims workflow specifically one designed for debit card purchase disputes, not ATM cash deposit errors. This suggests the claim was not properly investigated. The determination provides no specific findings no ATM cash count records, no vault reconciliation data, no camera footage review, and no explanation of how the {$480.00} figure was reached. Chase 's letter states : 'Contact us if you would like to request the information we used for our research. ' I am formally requesting that information as part of this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 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: GA

Complaint narrative:
There is a charge made that I found within a couple of days. I reported the charge was not mind with days of the charge.. They where suppose to file a fault rpeort and they did not only issued the card as loss. I still have the card. Then they report to the credit reporting companies the card is near max out and my credit score dropped XXXX points. I have spoke with three people about this and that they have resonded with they need to investate it and that will be at least 60 days. Meanwhile that {$4700.00} reminds on my credit card. This needs to removed and correct send out to the credit agnecies. They would not be eating this cost if they did what they suppose to anything over {$500.00} needs me approve the charge by text or call which did not happen. I don't understand why I have to have to charge for my account for 60 days when it is not my charge. I have been a good client for Synchrony Bank for years and never have missed a payment with them. What every happened to customer service.

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 non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Im trying to resolve an issue with a balance transfer that appears to have failed or been misapplied. I originally had {$5000.00} in my XXXX XXXX account. In XXXX, I initiated a balance transfer through American Express to pay off that XXXX XXXX balance. ( XXXX XXXX XXXX ) The transfer successfully created a new {$5000.00} balance on my American Express account, which confirms the transfer was processed on that side. However, the balance never came off of my XXXX XXXX account, leaving me with the same debt showing on both accounts. I understand that I initiated the transfer, and I am not disputing that. What I am disputing is that the transfer funds were apparently never properly applied to the XXXX XXXX account. I have repeatedly asked for clarification on where the transferred funds were actually sent or applied. Although there is a transaction/reference number associated with the transfer, no one has been able to explain where the money went or provide proof that the funds were successfully applied to the XXXX XXXX balance . At this point, I need : Proof of where the balance transfer funds were sent Confirmation of whether the payment was successfully delivered and applied But mostly, I need Assistance correcting the duplicate balance issue Right now, I am being held responsible for the same {$5000.00} balance on two separate accounts, and I need help tracing and resolving the transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: International Computer Systems, Inc.
State: MO

Complaint narrative:
There is a collection on my critter report from XXXX XXXX XXXX in the amount of {$1300.00} for XXXX, which is a utility company and I do not have any utilities in my name nor have I ever with that company. My Social Security number was compromised so this is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
was contacted by IQ Data International about a debt of {$5200.00}. They called my mother and also called me 4 times in one hour, which I have documented. They used intimidation tactics, telling me things like they would close the account if I did not pay, making it sound like something serious would happen legally without saying it directly. They also told me to take out a loan or borrow money from family and friends to pay. They never sent me anything in writing to prove the debt was mine even though I asked. I made a {$500.00} payment because of the pressure from their intimidation tactics. I sent them a formal demand letter by certified mail on XX/XX/year> informing them of their violations and requesting written debt validation. I gave them 15 days to respond and that time has not passed yet. However, what I find concerning is that they had time to respond to my XXXX disputes on XX/XX/year> and again on XX/XX/year>, but have not responded to my direct demand letter or provided me any written validation, original creditor information, or proof they are authorized to collect this debt. They seem to only engage when it benefits them. The account is still on my credit report with a balance of {$4700.00}. I am asking the CFPB to look into this, have IQ Data remove this from my credit report, and I am also seeking compensation for damages caused by their violations including the {$500.00} I paid under pressure from their intimidation tactics.

Company response to consumer: Closed with explanation