vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I placed an order on the merchants website ( XXXX XXXX for {$89.00} using my Chase Visa debit card. 

On XX/XX/XXXX, I received the package ( XXXX  Tracking XXXX ). Two items were missing, and multiple items ( the shoes ) were damaged, dirty, and appeared used. The shipping package itself was damaged with holes and cuts, and delivery was delayed several days. 

Within 30 minutes of delivery, I contacted the merchant by email, provided photographs of the damaged merchandise and packaging, and requested to return the items because they were not as described and items were missing. 

On XXXX, the merchant responded in writing that they reserve the right to deny returns and refused to allow a return, refund, or exchange for this package. 

On XXXX, Since I have exhausted my options with the company, I filed a claim with Chase for defective/damaged merchandise. At the time the claim was filed, I submitted photos of the damaged items and packaging, and screenshots of my return request to the merchant and the merchants refusal to resolve the issue. 

On XX/XX/XXXX, the claim was denied. When I contacted Chase on XX/XX/XXXX, I was told the denial was because the items were not returned ( no return from customer received ; therefore unable to continue dispute for refund ). I explained to the Chase representative that the merchant refused to allow a return and that this documentation of refusal had already been uploaded with my original claim. The representative confirmed the documentation was present and submitted reassertion review. 

On XX/XX/XXXX, I uploaded additional supporting documentation to the Chase app, just in case, including the damaged merchandise photos and emails showing the merchants refusal to allow a return. 

On XX/XX/XXXX, I contacted Chase again and was transferred to the reassertion team. I was told that although my documentation was previously confirmed as sufficient, the denial was now based on the merchant refusing to participate in recovery. I was also told I could not appeal further or submit additional documentation. The claim was closed permanently. 

I believe Chase failed to conduct a reasonable investigation and failed to provide notice or opportunity to submit additional documentation before denying my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute an account currently appearing on my credit report that I do not recognize. I do not recall applying for this account and was unaware of any charges associated with it. 

Company : OppLoans / XXXX XXXX Account Number : XXXX Credit Bureau Reporting : XXXX  This account was opened without my knowledge or authorization and is inaccurate. I did not apply for, authorize, or consent to this account, nor did I receive any benefit from it. 

Because this account is unauthorized, its reporting violates the Fair Credit Reporting Act ( FCRA ). I am requesting that this account be removed immediately from my XXXX  credit report. 

This inaccurate reporting is negatively impacting my credit profile, and I respectfully request prompt correction. 

Thank you for your immediate attention to this matter. 

I am disputing this account due to inaccurate and unverifiable reporting on my XXXX  credit report. 

OppLoans is reporting a balance of {$2100.00} on an account with an original balance of {$2000.00}, despite reporting the account as never late. No documentation has been provided to explain the added balance, interest, or fees, nor has a signed loan agreement been produced. 

This constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as the furnisher has failed to demonstrate that the information being reported is accurate, complete, and verifiable.

I am requesting that the CFPB investigate this matter and require OppLoans to delete this account from my credit report if they are unable to provide proper legal validation and proof of accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened a Capitol One XXXX Account in XX/XX/year>. I received a points bonus and now have over XXXX points. I opened my online account with no problem and have been doing online banking. However, I have been trying to transfer my rewards point to an airline ( XXXX ) for the past XXXX weeks to book a flight. I have called the company over 6 times and been on the phone with them each time of over an hour. However, they are telling me that they can not verify my account because my cell phone number is not " verified '' and there is no other way to verify my account. Last night ( XX/XX/year> ), one of the Account Supervisors, XXXX # XXXX, told me that there is nothing further he can do and I have no recourse to use my points except by using their Capitol One XXXX, which significantly devalues my points and only shows flights which cost {$5000.00}. How is it possible that I am verified to do online banking, but not to use my points to transfer my points? The many representatives I have spoken to have said that if they can't send me a text, they have no other way to verify my identity and there is nothing they can do. My cell phone is in my name and receives texts all of the time from various companies. At this point I am extremely frustrated and just want to find a way to use my points, which I earned, to travel to my cruise without paying {$5000.00}. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Summary : I am filing a complaint regarding unauthorized credit card accounts opened in my name without my consent or knowledge and TD Banks handling of my fraud dispute. 

XXXX of events : XX/XX/year> : I received a call from XXXX XXXX, a collection agency, regarding an alleged TD Bank credit card balance. After confirming the account with TD Bank, I reported the account as fraudulent, as I did not open or authorize it. The address and phone number associated with the account are not mine. TD Bank instructed me to obtain my credit reports and freeze my credit, which I did with XXXX XXXX XXXX XXXX XXXX XXXX access issues initially limited my reports ). I was advised to wait for a written response. 

XX/XX/year> XX/XX/year> : Due to a sudden illness, I delayed filing police and FTC identity theft reports. During this period, I contacted TD Bank to request the full account number for the fraudulent account and was instructed to visit a branch in person, as the information could not be provided by phone. 

XX/XX/year> XX/XX/year> : I received a letter from TD Bank dated XX/XX/year> denying my fraud claim, citing prior payments on the account. I contacted TD Bank to dispute this determination and provided additional information. 

XX/XX/year> : I visited a TD Bank branch to obtain the fraudulent account number and subsequently filed a police report for identity theft. 

XX/XX/year> : I filed an FTC Identity Theft Report for the TD Bank credit card account with fraudulent charges totaling approximately {$33000.00}. I also placed one-year fraud alerts with all three credit bureaus and filed dispute to the accounts ( especially the TD Banks account with charges ) with Equifax and TransUnion. 

XX/XX/year> : I received a call from TD Banks fraud investigation team informing me that my claim was denied based on the existence of prior payments and that a separate TD Bank account, opened and closed on the same date, was allegedly opened using a scanned drivers license at a location in XXXX. I was not provided evidence showing that I opened or authorized either account. 

Company actions : TD Bank denied my fraud claims despite my timely reporting and submission of identity theft documentation. The bank relied on prior payments and alleged identification use without demonstrating that I personally opened, authorized, or benefited from these accounts. No application records, verification methods, or supporting evidence were provided to substantiate the denial. 

Harm caused : I am being held liable for fraudulent charges totaling approximately {$33000.00} and face potential negative credit reporting. The prolonged dispute has required repeated follow-ups and has caused significant financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
Ive been a victim of identity fraud since XX/XX/year>. I called and disputed many credit cards being open under my name. XXXX XXXX XXXX, while using my social security number. There are XXXX addresses under inquiry accounts on my XX/XX/XXXXXXXX. XXXX from XXXX, I do not reside in. Another one from XXXX XXXX, I also do not reside in. I called my bank account, XXXX and disputed all the accounts on XX/XX/year> with XXXX XXXX XXXX. Please verify anything and everything with me. Or discuss with my XXXX XXXX XXXX from XXXX. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
First National Bank of Omaha has committed fraud. My credit scores are showing a delinquent credit card account that is a ) in dispute by my father and b ) regardless NOT my credit card ( it was a parent account )... I NEVER signed up for this card in my name and have no accountability for it.

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 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
Product : Loan or line of credit Issue : Incorrect information on credit report Complaint Narrative I am disputing inaccurate credit reporting by Fortiva Retail Credit related to a XXXX XXXX XXXX XXXX loan. I cancelled my XXXX service in writing via certified letter on XX/XX/year>. XXXX failed to process the cancellation, failed to retrieve equipment despite multiple requests, and continued providing service. XXXX has now confirmed the cancellation in writing. 

I contacted Fortiva by telephone to explain the dispute and was told to resolve it with XXXX. Despite the ongoing dispute and merchant non-performance, Fortiva reported late payments for XXXX, XXXX, and XX/XX/year>. 

These late payments are inaccurate and violate the Fair Credit Reporting Act because the underlying transaction was disputed and unresolved due to the merchants failure to act. 

I am requesting : Removal or correction of the reported late payments Proper investigation of the dispute Written confirmation of the outcome

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> I was defrauded {$1400.00} from two merchants, {$650.00} and {$750.00} on my Bank of America credit card. The same night, I was driving home when I received a Fraud Alert on my XXXX XXXX  XXXX  from the same merchants, I responded NO, these are not permissible charges. ( I DID NOT Receive a FRAUD Alert from Bank of America ). The next morning I looked up the statements for all of my accounts and noticed these charges on my Bank of America credit card. I immediately called and requested these charges to be stopped, they informed me they can't stop them, but I can dispute them, so I did. For over 2 months now Bank of America is not refunding me my money and claiming they don't have enough information. I provided them the Fraud alert from XXXX XXXX  because that is the only item that I have showing a Fraud was occurring that night. Bank of America is choosing to take the side of the fraudsters versus their own customer of over 8 years, that made every single payment on time. They were incompetent in detecting and stopping clear fraud in the first place, which XXXX XXXX  was able to do immediately. Today I have an outstanding payment with Bank of America for {$1400.00} plus interest accrued and several representatives I have spoken with aren't helping me in refunding my money. I don't know who these merchants are, I have never heard of them and they aren't even in my city. My spending pattern doesn't even match and they are refusing to take that into account. At this point I will never do business with Bank of America ever again and I will make sure to let everyone I know to do the same.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I manage a family trust finalized in XXXX and kept the bank account open only in case additional matters arose ( note : the account was originally under Union Bank and was taken over by USBank ). In XXXX, I discovered the account had been assessed a $ 5 monthly dormant service fee. I received no paper statements and no electronic statements were available online, so I had no notice of these charges until reviewing the XXXX online records. Notably, the account was accruing and depositing interest monthly, making the designation dormant misleading. 

I visited the branch more than XXXX times and spoke with the branch XXXX, who agreed to reverse only XXXX months of fees. Another banker directed me to customer service, where I was told the charges were valid. The lack of disclosure and contradictory explanations suggest these fees were applied without meaningful notice or transparency.

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 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
Credit Control , LLC ( Original creditor : XXXX XXXX / XXXX ) What happened? 

I am submitting this complaint regarding Credit Control , LLC, which is reporting and attempting to collect a disputed debt related to returned XXXX XXXX devices. 

I returned two mobile devices within the timeframe required by my agreement with Spectrum. Under that agreement, I accepted responsibility for a {$50.00} per-device return fee, for a total of {$100.00}, and I expected an invoice for that amount. 

Instead, XXXX debited my bank account for a substantially higher amount based on alleged device damage. I disputed that debit with my bank, and the funds were reversed. 

Prior to submitting my written validation request, I attempted to resolve this matter by offering payment of the full contractual return fees ( {$100.00} ). Credit Control declined this offer, proposed a lesser discount on the disputed balance instead, and refused to offer reasonable payment terms.

I formally disputed this debt and sent Credit Control a written request for validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) by certified mail, which was delivered on XX/XX/year>. 

Credit Controls response did not provide proper validation. They supplied only billing statements and boilerplate state disclosure notices. They did not provide any documentation establishing liability for the alleged damage, including but not limited to : XXXX or serial numbers linking the alleged damage to my devices Intake inspection reports Chain-of-custody documentation Repair invoices or cost justification Allocation of charges per device Contractual authority supporting charges beyond the agreed {$50.00} per-device return fee A billing history alone does not constitute validation for a disputed goods-damage claim. 
Despite failing to validate the debt, Credit Control resumed collection activity, including : Settlement emails offering payment plans for the full alleged balance Multiple collection phone calls placed after validation was requested and after their insufficient response Credit Control is continuing to collect and report a debt that has not been properly validated. 

What do you want the company to do to fix the problem?

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 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: WA

Complaint narrative:
I obtained a personal loan through Upgrade.com for {$31000.00}, which was arranged by XXXX XXXX XXXX in connection with a roofing and siding project. The signed contract price for the project was {$24000.00}, but the contractor has refused to return or account for the difference. 

The project began on XX/XX/2025. The XXXX failed to complete multiple contracted items, including full house cleaning, caulking, siding tune-up, and vent replacement. Workmanship issues were also present. On XX/XX/2025, the contractor denied warranty coverage, citing conditions that were not disclosed prior to installation. 

I have attempted to resolve this matter directly. I have also filed complaints with the Washington State Attorney General, Washington Department of Labor & Industries, and the Better Business Bureau. The contractor has failed to respond to regulatory inquiries and has not provided a resolution. 
I am requesting CFPB assistance to review the loan disbursement, contractor involvement, and whether proper disclosures and handling of funds occurred. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am submitting this formal complaint to request regulatory review of [ Chase Card for its failure to conduct a thorough and reasonable investigation of disputed credit card transactions and its failure to follow proper dispute-resolution procedures as required under applicable consumer protection laws. 
On or about XX/XX/year>, my checked luggage was lost by an airline during international travel. That luggage contained my wallet, multiple credit cards, and one government-issued identification card. I did not have possession of these cards during the period in which unauthorized transactions subsequently occurred. 
After discovering unrecognized charges on my Chase account, I promptly notified them and formally disputed all transactions that posted after XX/XX/year>. I made clear that the charges were unauthorized and occurred after my credit cards were lost. 

During the dispute process, I explicitly offered to provide supporting documentation from the airline confirming the loss of my luggage and its contents, which directly substantiates my claim that I did not have control or possession of the credit cards when the disputed charges occurred. 
However, Chase declined to review or accept this evidence, stating that it was not needed, and proceeded to deny or inadequately resolve the dispute without meaningfully considering the circumstances or available proof. 
This conduct raises serious concerns regarding whether Chase conducted a reasonable investigation, as required under federal consumer protection standards governing billing disputes. 
Regulatory Concerns It is my understanding that credit card issuers are required to : Conduct a good-faith and reasonable investigation of disputed transactions Consider relevant evidence offered by the cardholder Provide a clear and substantiated explanation for any denial of a dispute By refusing to review material evidence and closing the dispute without proper consideration, [ Chase XXXX failed to meet these obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: CA

Complaint narrative:
On XX/XX/year>2025 I made a reservation with Amex Travel, booking confirmation XX/XX/XXXXXXXX, with my Business Platinum Card ending in XXXX XXXX During the checkout process, Amex online travel portal requested I select the card to be charged. I was presented with XXXX identical options : XXXX ( Platinum ) XXXX ( Platinum ) Both options appear identical. I also have an Amex XXXX XXXX XXXX card that ends in XXXX. I selected XXXX of the XXXX options and I was requested to put in my Expiration Date, Security CXX/XX/XXXXe, and Zip cXX/XX/XXXXe. I input the information for my business platinum card and submitted the trip reservation and the reservation was processed. 

A couple days later, I noted the charge was not charged to my business platinum card and was instead charged to my XXXX XXXXXX/XX/XXXXcard. 

My business platinum card has a card benefit that provide a {$300.00} statement credit for specific travel purchases made and this travel purchase would qualify for the statement credit. I also have the same benefit with my XXXX XXXXXX/XX/XXXX card and had already used the benefit prior to this reservation. Amex travel refuses to correct the issue and charge the correct card. Amex credit card company refuses to open a fraud dispute for the incorrectly charged card.

Company response to consumer: Closed with monetary relief