vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am a former American Express employee. While employed in the XXXX, FL and XXXX, FL offices, I earned " Blue Points '' through an internal performance incentive program. I redeemed these points via the American Express employee rewards portal for a {$100.00} American Express Reward Card personalized with my name. After I spent {$25.00}, a {$75.00} balance remained. Starting XX/XX/XXXX, American Express began deducting {$2.00} monthly " service fees '' on the XXXX of every month. This has resulted in a {$54.00} loss, whittling my {$75.00} balance down to {$21.00}. As this card was issued in Florida, it is governed by Florida Statute 501.95, which prohibits any postsale charges or fees on reward and incentive cards. The card agreement specifically states that fees are " subject to applicable law, '' and under Florida law, these service fees are illegal. On XX/XX/XXXX, I spoke with representative XXXX and supervisor XXXX at Amex Reward Card Support ( XXXX ). The supervisor refused to reverse the fees and incorrectly claimed I must contact the " original issuer '' ( implying my former department ), despite the fact that American Express is the employer, the reward program administrator, and the card issuer. I was given internal Amex complaint number XXXX, but was told that despite filing this complaint, no reversal of the illegal fees would be processed. Since my name is printed on the card, American Express clearly identifies me as the account holder. I am requesting a full reversal of the {$54.00} in improperly assessed fees to be credited back to my card immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I am filing this complaint regarding the ongoing failure of USAA to recover and return funds that were mistakenly deposited into an incorrect account, despite clear and repeated proof of ownership. On or about XX/XX/year>, funds from my U.S. Government paycheck were sent to the wrong account due to an input error. I immediately notified USAA and began working in good faith to correct the issue. Since that time, I have fully cooperated and provided all requested documentation to establish that the funds belong to me. USAA has repeatedly stated that a Letter of Indemnity ( LOI ) is required to recover the funds. Multiple documented attempts have been made by the issuing bank to provide this LOI, including : XX/XX/year> ( email ) XX/XX/year> ( fax, with confirmation ) XX/XX/year> ( email ) XX/XX/year> ( email ) Despite these efforts, USAA has failed to provide any clear resolution, has not confirmed receipt or action on the LOI in a meaningful way, and has been unable to provide a definitive timeline or outcome. I have received inconsistent and repetitive responses from representatives who are unable to explain next steps or take accountability for resolving this matter. This prolonged delay is unacceptable. USAA has been on notice since XX/XX/year>, that these funds were misdirected and rightfully belong to me. Their failure to act in a timely manner increases the risk that the funds may be withdrawn, spent, or otherwise made unrecoverable by the unintended recipientan outcome that could have been prevented through prompt and appropriate action. At this point, I have also filed a complaint with the appropriate regulatory authority and am actively exploring legal representation. It is becoming increasingly clear that I may need to retain counsel to pursue recovery of my funds and to take action against any party involved in withholding them, including both the financial institution and any individual who has received and failed to return funds they know do not belong to them.

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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: AL

Complaint narrative:
Until you provide proper validation, I request that you cease all collection activities and reporting to any credit reporting agencies. If you are unable to validate this debt, you must cease collection efforts and remove any negative reporting associated with this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
On XX/XX/year>, I reported multiple unauthorized debit card transactions to Navy Federal Credit Union after my purse and card were stolen from a shopping cart at XXXX. The unauthorized transactions total XXXX XXXX XXXX and caused my account to become negative, creating financial hardship. Since filing the fraud claims, I have received inconsistent and conflicting information from Navy Federal representatives. I was initially told multiple claims had been filed, but representatives were unable to provide claim/reference numbers for several days. I was also told different things regarding whether provisional credit would be issued. I repeatedly requested confirmation of all claims, claim numbers, status updates, and confirmation that all unauthorized transactions were properly included. Some representatives stated claims existed, while others could only locate one claim number at first. I also received an email confirmation for one later-reported transaction but not for the original reported claims, adding to the confusion. On XX/XX/year>, Navy Federal sent a written message stating they would provisionally credit my account within ten business days after receiving my fraud claim. However, I still need clear confirmation that all reported unauthorized transactions are included, all claim numbers are correct, and the claims are being handled consistently. I am submitting this complaint because of poor communication, inconsistent information, delay in providing clear claim documentation, and the hardship caused by the unauthorized transactions and resulting negative balance. I request a full review of the fraud claims, confirmation of all case numbers and included transactions, and timely provisional credit or other appropriate relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
Aldous and associates states that the contract they have on file is dated from 2021 but contract was cancelled over 10 years ago. I am requesting for copy of original contract with XXXX XXXX and copy of ID from time of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HOPE BANCORP, INC.
State: NY

Complaint narrative:
I am writing regarding a missing transfer from my XXXX XXXX Hope account XXXX to my XXXX XXXX account for amount of {$890.00} is Despite the withdrawal occurring on Monday, XX/XX/XXXX, the funds have not arrived at the destination bank. I have spoken with general customer service and have not received a resolution. XXXX XXXX already stated that the transaction was canceled. XXXX XXXX Hope didnt provide any help. The money withdrawn on my checking account as indicated on the attachment should have already retrieved back to my XXXX XXXX Hope checking account but it hasnt. I can be reached at XXXX if you need to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I told this company I have not signed anything saying I own this debt nor can they provide a contract agreement with my signature.

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 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I am a victim of identity theft and have been going through an identity theft crisis. I reviewed my credit report and saw fraudulent accounts reporting on my credit report from debt collectors.Under the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for debt collectors to report or threaten to report fraudulent debt as valid, as this constitutes deceptive and unfair practices. Specifically, 15 U.S.C. 1692e prohibits false representations, including misrepresenting the character or amount of a debt. The fraudulent account is SYNERGETIC COMMUNICATIONS WHICH IS REPORTING UNDER ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I had received a deposit refund on XXXX of my credit cards but its been a month and I still havent been able to receive the funds I did receive a check but for some reason capital one keeps putting a stop payment on the check

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I mistakenly sent {$400.00} through XXXX from my Bank of America account to the wrong phone number due to entering XXXX incorrect digit. The payment was sent to XXXX XXXX. I have her full name and the phone number used for the transfer. I immediately attempted to contact her multiple times by phone and text, but I have not received any response. I opened a claim with Bank of America ( Claim Number : XXXX XXXX ). I have requested assistance in recovering the funds. Bank of America has not provided clear written confirmation of the interbank recovery actions taken. However, during phone conversations, I was informed that contact may have been made with the receiving bank ( XXXX XXXX XXXX XXXX ) and that the receiving account reportedly did not have sufficient funds at the time. I have not received this information in writing. I also personally visited XXXX XXXX XXXX XXXX, where I was informed they can assist in contacting their member and potentially help recover funds if they receive a formal interbank request from Bank of America or XXXX. I am requesting that Bank of America : Confirm whether a formal XXXX recovery/recall request was sent Provide the status of that request Re-issue or escalate the recovery request if it was not properly completed Make all reasonable efforts to recover the {$400.00} mistaken transfer I am XXXX XXXX XXXX and living on XXXX XXXX XXXX This {$400.00} is significant to me and represents a serious financial loss. I am requesting a clear written response and confirmation of all recovery steps taken.

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 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
Radius Global Solution on XX/XX/year> Submitted a negative report on my credit report.. Stating that I was in default of an alleged debt that I never heard of or owed. It is for XXXX There contact number is XXXX There address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no debt with these people and I never heard of them. I want this negative alleged debt removed from my credit report. It has caused me damage on all three credit reporting of me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I accessed to my business account and I discovered an unauthorized electronic transfer made trough XXXX in the amount of {$1900.00}. This transaction was not initiated, approved, or authorized by me. It appears that an unknown third party gained access to my account and sent the funds without my consent ( account takeover ). The transaction occurred on XX/XX/year>, and I reported the issue to Chase Bank immediately on XX/XX/year>. My claim was denied by the bank citing " '' inconsistencies '' '', but no clear explanation was provided. Under Regulation XXXX, I reported this unauthorized transaction promptly and should be protected. I am requesting that Chase reopen my case, conduct a full investigation, and reimburse the full amount of {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Zip Co US Inc.
State: OH

Complaint narrative:
I am unable to access my Zip account after attempting to update my phone number. My account was originally linked to my previous phone number, and when I tried to update it to my current number, I was logged out of the app and have not been able to log back in. After contacting Zip support, I was told that I must complete identity verification through a third-party service ( Veriff ) to regain access. I explained that I am willing to verify my identity, but I am not comfortable using that specific service due to security concerns. I requested alternative verification options, such as submitting identification through a manual review process or confirming account details. Zip support repeatedly stated that Veriff is the only option and did not provide any alternative method for identity verification or account access. However, in earlier communication, they advised that I could make payments by check as an alternative method, which demonstrates that alternative processes are available in some areas but not for restoring account access. I also requested escalation and followed up after receiving no response, but I did not receive a resolution. Because I can not access my account, I am unable to monitor my balance, manage payments, or ensure my account remains in good standing. This creates a risk of missed payments, fees, or negative credit reporting that is outside of my control. I am requesting that Zip provide an alternative way to verify my identity and restore access to my account, and confirm that my account will not be negatively impacted while this issue is unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Disputed a transaction for a defective product on XX/XX/year> for {$24.00} from XXXX XXXX. Wells Fargo requested more information on the transaction and on XX/XX/year> I called them and had to give all of the information again. They then requested the email chain where XXXX XXXX admitted that the product was defective which I forwarded to Wells Fargo claims department. On XX/XX/year> I received a letter from Wells Fargo in which it stated " There is no indication the merchandise is different from the merchant 's description '' and they denied the claim. I started the claim for a defective product, not an incorrect product. I called again and again had to explain and correct the facts. This time they said I needed something with XXXX 's letterhead even though I sent them exactly what they asked for ( the email chain with the XXXX rep ) on the previous call. I then offered my order history page from XXXX in which it states I did order the defective product and they were trying to give me only a partial refund and the Wells Fargo rep said this also wasn't good enough, then proceeded to be extremely condescending and dismissive. In summary, I gave Wells Fargo an email from XXXX that literally stated the product was defective and all the information they asked for 3 times and still I was ignored. I've submitted maybe XXXX claims in my XXXX years with Wells Fargo and this is not an astronomical amount, I just want what is morally right.

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 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Years ago I started an account at Coinbase to dabble in crypto currency. I didn't use the account for a long time and noticed last year ago that I was being charged {$29.00} per month via ACH. Coinbase refuses to 'verify my identity ' with my XXXX different government IDs or any other requested information. I have been attempting this for at least XX/XX/XXXX months and gotten nowhere. I can't access the account to close it or cancel whatever fee they continue to charge. Most recently ( this afternoon ) I attempted to contact them via phone and was told that I don't even have an account there, it is impossible to get out of these fees so I'm looking for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Someone is making accounts and using my social security number to open stuff likely have my Info and I need this to stop. I want everything frozen and taken down sine its impacting my credit score.

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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/year> Professional Finance Co XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to an account listed on my credit report regarding an alleged debt associated with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I do not acknowledge this debt and request that you provide proper documentation to verify its legitimacy. Please provide the following : The original creditors name and address The original account number A complete account history, including all charges, payments, and fees Documentation showing that I agreed to and am legally responsible for this debt Proof that your company is authorized to collect on this debt Verification of the amount claimed, including how it was calculated Until you provide this information, I request that you cease all collection activity and communication regarding this account. Additionally, if this account is being reported to any credit bureau, I request that it be marked as disputed immediately. If you can not provide proper validation, I request that this account be removed from my credit report. All future communication regarding this matter must be in writing. Thank you for your cooperation. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Block, Inc.
State: OR

Complaint narrative:
Cashapp has closed my complaint totally disregarding my request for resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and i didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didnt follow the proper XXXX-step validation procedure According to the FDCPA, I'm 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 response to consumer: Closed with explanation