vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
Im moving to XXXX XXXX XXXX  and I was looking for a house to rent. I found XXXX on XXXX marketplace and the landlord contacted me via text. 

Hes not a landlord. He posed as XXXX to commit fraud. 
I paid him {$2300.00} and have no where to move into. 
The payments were done via cashapp and I have screenshots proving to cashapp it wasnt a authorized transaction. 

The transactions were paid from being deceived after I had been inside the house and talked to the landlord on the phone. 

I found out it was a scam when he ignored me on the move in day and the home is actually owned by invitation homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I opened my American Express XXXX XXXX on XX/XX/year>, and I spent more than {$8000.00} within the required XXXXmonth promotional period. I have retained all of my card statements since opening the account, which clearly show that the spending requirement was met. 

However, I have not received the XXXX Membership Rewards welcome bonus. I was informed that I did not meet the spending requirement, but based on my statements, the qualifying purchases appear to be clearly documented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am submitting this formal complaint regarding the closure of my Chase Bank account and the subsequent reporting of inaccurate and damaging information to XXXX XXXX XXXX 

I opened my Chase Bank account on XX/XX/XXXX. On XX/XX/XXXX, the account was closed by Chase Bank without any explanation, prior notice, or opportunity to address concerns. To date, I have never been provided a substantive reason for the closureonly a generic account closure outcome. 

Following the closure, I discovered that Chase Bank reported to XXXX XXXX XXXX that I deposited XXXX checks in the identical amount of {$480.00} on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Chase further reported that these checks were returned due to the account being closed. This reporting is inaccurate, misleading, and materially harmful. 

I formally dispute this information and request that Chase Bank provide the following documentation to substantiate its reporting : XXXX. Copies of each allegedly deposited check, including : The front and back of each check The endorsement and signature used The name of the issuer The issuers contact information XXXX. Confirmation of how these checks were presented ( in-branch, mobile deposit, ATM, or otherwise ) XXXX. The internal decision-making process that allowed deposits to be reported after the account had already been closed XXXX. Identification of whether this reporting resulted from automated systems or discretionary staff action Any checks deposited into my account would have originated from my employer, not personal or XXXX-party checks, and would have cleared through normal payroll or business processes. The implication that I attempted to deposit fraudulent or repetitive checks is false. 

Chase Banks decision to close my account without explanation and then report this information to XXXX XXXX has directly harmed my ability to open other bank accounts and conduct routine business operations. As a business owner with employees, this reporting falsely portrays me as engaging in fraudulent banking activity, which is untrue and damaging. 

Additionally, the manner in which this matter was handled at the branch level was unprofessional and humiliating. Staff interactions created an environment in which I was treated as though I were attempting to defraud the bank, despite no evidence supporting such a conclusion. When banks take adverse action and provide no explanation, while simultaneously reporting negative information to third-party systems, it raises serious concerns regarding procedural fairness and equal access to financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: MA

Complaint narrative:
My federal student loans were transferred to CRI without my knowledge. I did not receive mailed or electronic notification that payments resumed. As soon as I became aware, I applied for forbearance. CRI reported a delinquency that does not accurately reflect my borrower status and severely damaged my credit. I am requesting correction of inaccurate credit reporting and retroactive administrative forbearance due to servicer transfer error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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: MD

Complaint narrative:
My Apple Card account was closed out of the blue with no warning after I had paid my balance in full. When I contacted Apple and Goldman Sachss to find out why, they both said there was a violation but wouldnt tell me what I allegedly violated. When I asked for the contact of someone who could, I was denied. 

Ive had my Apple Card for almost XXXX  years and never had an issue. Now all of a sudden my account gets closed and nobody can actually tell me why?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: WI

Complaint narrative:
I am filing this complaint because I was never properly notified of this debt ( institutional tuition debt ) before it was reported to my credit file, which is a violation of my right to dispute or resolve the balance. 

The creditor and collection agency claim to have attempted contact, but these attempts were unsuccessful and ineffective : Letters : I never received any physical validation notice or written correspondence at my mailing address. 

Phone/Voicemail : I have no record of incoming calls or voicemails from this agency on my phone logs. I have checked my logs and there are XXXX records from any " XXXX '' number they mentioned that they called. 

Email : While I discovered an email months after the fact by manually searching my archives, it was never delivered to my primary inbox, but to spam mail. I was never asked for consent to receive legal debt notices via email, and the method used by the collector failed to provide me with actual notice. 

Because I was never successfully contacted, I was denied the XXXX window to validate or pay this debt before it hit my credit report. I am requesting that the collection be removed from my credit report immediately as it was reported without following proper notice procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am disputing a credit card charge resulting from merchant misrepresentation and unauthorized processing of an amount far exceeding what I approved. I authorized a charge of approximately {$40.00} USD but was charged {$1300.00} USD. Elan Financial Services initially credited the charge but later reversed the credit and now claims that XXXX rules prohibit further action, without providing documentation. 

Detailed explanation On XX/XX/year>, while on a business trip in XXXX XXXX, I took a taxi from XXXX XXXX XXXX XXXX to my hotel in XXXX, where I was attending a professional conference held at the hotels conference center. The drive was approximately XXXX minutes. The verbally agreed and expected fare for this trip was approximately {$3000.00} USD, consistent with local rates for this route. 

At the end of the ride, I paid by credit card believing I was authorizing a charge equivalent to approximately {$40.00} USD. The taxi driver did not provide a receipt, nor did he disclose or display any amount remotely close to {$1300.00} USD at the time of payment. 

After reviewing my credit card statement, I discovered that my card had been charged {$1300.00} USD for this taxi ride. I immediately contacted Elan Financial Services and disputed the charge. Elan initially issued a provisional credit but later reversed the credit.

I subsequently spoke with an Elan supervisor who stated verbally that XXXX does not allow any further action and that the charge would stand. Elan has refused to provide written documentation identifying the XXXX dispute reason code used, the specific XXXX rule allegedly preventing further action, or whether XXXX arbitration was considered. 

This is not a pricing or service-quality dispute. I did not authorize a {$1300.00} transaction. Authorization of a card does not constitute authorization of any amount unilaterally entered by a merchant. The extreme discrepancy between the agreed fare for a short airport-to-hotel taxi ride and the charged amount, combined with the lack of a receipt, constitutes merchant misrepresentation or fraudulent processing. 

I can provide documentation confirming my arrival flight into XXXX XXXX XXXX XXXX and my hotel stay in XXXX, including conference attendance at the hotel where the ride ended, which further corroborates the nature, distance, and duration of the trip.

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 2026-01-11 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I have written to Amex at least 10 times via certified mail over the past 2 years, submitted photos, etc... I ordered specialty white oak wood tongue and groove floor planks from XXXX XXXX. Due to cc charge limits, I paid for aprox XXXX of the total charge ( $ XXXX ) on 1 amex cc account. When the order entered into the delivery phase of the transaction, I paid the remainder on another amex cc account ( {$6400.00} ). The shipment of the wood floor was horrendous. The floor planks were inadequately wrapped, the pallets used to transport the wood floor planks, were equally inadequate. 
I reported this as soon as the order arrived to my property. This damage was noted by the truck transport driver as 50 % damaged, and I DID NOT SIGN the delivery paperwork because it contained a preprinted statement that the merchandise arrived in acceptable condition. 
This occurred in XXXX of XXXX  The XXXX XXXX representative was also immediately notified about the 50 % damaged floor wood. Upon receiving the amex bill for {$6400.00}, which I calculated to account for the 50 % damaged floor wood, and the transport costs I paid to XXXX XXXX, I immediately disputed the charge on my amex credit card account. 
Again, I have sent at least 10 certified mail letters/photos, etc to Amex regarding this charge since XXXX, XXXX. Upon receipt of my certified mail, they zero out the charge, then I receive another statement re-issuing the charge. They totally ignore the facts... I did not secure the transport company, XXXX XXXX did. I did not use flimsy pallets that were unable to support the XXXX weight of the wood floor planks, XXXX XXXX made this flimsy decision. XXXXXXXX XXXX chose to use improper, flimsy shrink wrap to attempt to contain the stacked wood flooring. 
50 % of the wood flooring arrived with scarred finish, broked tongue and broken/cracked groove edges. All could have been prevented if... XXXX XXXX used ordinary care to wrap, support and ship in a considerate manner so the merchandise would arrive intact. They did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
To Whom It May Concern : I am filing a formal complaint against Chime Bank regarding the improper and unjustified closure of my account. At the time of this incident, my legal name was XXXX XXXX. My account was compromised by my estranged husband, who used my identity and my cards without authorization. I filed police reports documenting the identity theft, and every disputed charge was decided in my favor. Chime was required to reimburse the fraudulent transactions because I was the verified victim. 

Instead of restoring my account after the disputes were resolved, Chime closed it, citing vague banking formalities. This closure was not based on any misconduct on my part. It was a direct result of Chime having to correct fraudulent activity committed by someone else. I repeatedly contacted Chime to request reinstatement of my account, and despite providing police reports, identitytheft documentation, and proof of unauthorized use, Chime refused to reopen my account. 

Chimes actions have caused significant harm and inconvenience. I spent years obtaining credit reports, filing police reports, tracking fraudulent activity, and attempting to correct an issue that was never my fault. Their refusal to reinstate my account, despite clear evidence of identity theft, demonstrates negligence and a failure to act in good faith. I am now legally known as XXXX XXXX, and I am escalating this matter because Chime has refused to correct their improper closure. 

Sincerely, XXXX XXXX ( Formerly XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an Alleged account that you can not prove is mine. 
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. 
You { XXXX XXXX insert collection agency name here } failed to validate this alleged debt. 
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. 

This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY. 
15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
If proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. 
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I received a refund from a hotel and instead of Cash App giving me my refund they took it and also put me into a negative balance. I tried to contact them but got nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
To Whom It May Concern : I am filing a formal complaint regarding a fraudulent account that was opened in my name with Current without my authorization, consent, or knowledge. At the time this account was created, my legal name was XXXX XXXX. I did not open this account, I did not apply for it, and I had no relationship with this company that would justify an account being created in my name. This is an unauthorized and fraudulent account. 

For more than a year, I have repeatedly contacted Current to obtain verification documents, account details, or any paperwork showing how or when this account was created. The company has refused to provide any information, has not assisted in closing the unauthorized account, and has taken no action to correct a situation that exposes me to identity theft and financial harm. Their refusal to cooperate has prevented me from disputing the account, confirming whether additional fraudulent activity has occurred, or protecting my personal information. 

Currents failure to act is negligent, unacceptable, and has created an ongoing risk to my identity and financial reputation. I am filing this complaint because the company has ignored every attempt I have made to resolve this matter directly. My current legal name is XXXX XXXX, and I am seeking immediate intervention. 

Sincerely, XXXX XXXX ( Formerly XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
My payment was due on XXXX. I paid on XXXX but the company did not credit my payment until the next day, XXXX. They charged me a late fee of {$30.00}. I asked for a refund of the fee and they said they all they could do was give me a one time credit of {$15.00} back. 

This is a new account so I've never been late on paying. 

This is basically stealing consumer 's money. I want my ENTIRE LATE FEE RETURNED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TomoCredit Inc.
State: NY

Complaint narrative:
This complaint concerns TomoBoosts failure to provide services as advertised and billed, followed by a response that deliberately avoided addressing non-performance and consumer harm. 

TomoBoost billed me {$79.00} per month for approximately 12 months ( {$1300.00} total ) for a service explicitly marketed and sold as a credit-reporting product. No credit reporting was ever performed to any consumer reporting agency during the entire billing period. I paid for a service that was never rendered. 

In response to my prior CFPB complaint, TomoBoost did not dispute the lack of reporting, did not explain why reporting never occurred, and did not provide proof that any services were delivered. Instead, the company relied solely on a generic non-refundable clause to deny reimbursement, while avoiding all substantive questions regarding non-performance, continued billing, and failure to notify the consumer. 

A non-refundable clause does not lawfully permit a business to retain payments for services never performed. Charging consumers for a credit-related service that is not delivered constitutes unfair and deceptive business practices. 

This conduct violates New York business and consumer-protection law, including but not limited to : New York XXXX XXXX XXXX XXXX Deceptive acts or practices New York XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX Unlawful practices relating to consumer credit representations Common-law unjust enrichment Retention of funds for services not rendered TomoBoosts failure to resolve the matter after formal notice and a prior CFPB complaint has increased the consumer harm, resulting in additional time loss, administrative burden, stress, and disruption to financial planning. The continued refusal to provide a substantive explanation or remedy demonstrates ongoing neglect. 

I am attaching the prior CFPB complaint and the companys response as evidence of evasion and continued noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
My issue with Cross Country Mortgage LLC is that they refused to reimburse me about XXXX extra months of Private Mortgage Insurance ( PMI ) payments. 

On XX/XX/XXXX I emailed my CCM Loan Adviser to ask why I was being charged the monthly PMI, which should have been removed months ago. For her convenience I provide her the following information : Property purchased for {$450000.00} 5 % Deposit : {$22000.00} Loan amount : {$430000.00} Principal Balance : {$330000.00} ( XXXX % ) Cross Country Mortgage answer was that because I didn't tell them when the Principal crossed the 78 %, their schedule was set for XX/XX/XXXX to stop it. And that is why there were not refunding me the extra payments that is approx {$1700.00}. 

I find this unfair, and deeply disturbing that a large financial institution would deny me what I believe is a rightful refund, money that I have earned with hard work that now they want to keep, just like that. 

This type of rule that mortgage companies have should be illegal. 

Regular person paying extra money in Principal gets punished for not telling the mortgage company to stop, when a computer programmer could add code that can alert them when to stop those payments.

Company response to consumer: Closed with explanation