vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Comerica
State: MI

Complaint narrative:
Its being alleged that an account I went into the bank and closed out the teller did not give the appropriate documents. Sometime prior before Comerica bank on XXXX XXXX in XXXX I closed this account. The bank is now alleging XXXX  years ago my account was never closed out and once the bank closed my account was transferred to XXXX XXXX There were numerous Comerica Banks in XXXX near my home. The closest XXXX mile and XXXX which recently closed down 2 years ago. 

Its being alleged this was a payee account for my son, who had his on account since age XXXX at my home credit union. I never open a payee account for my child. I requested any documents with my signature concerning this account, I couldnt get a screenshot of what the bank was alleging as proof of this XXXX years ago old account, the amount was never reported on any credit reports NOTHING. 
I learned of this debt XXXX of XXXX alleging they closed the account out in XXXX. I was informers is no Corporate office and it had been closed and sold years ago. This office on the internet is still advertising that this branch is the corporate office, although they also stated the owners moved to Texas. 

I paid the XXXX due to the current employees holding my name hostage and deny anyone with finances to place my name on their personal positive account as a beneficiary for a XXXX dollar alleged debt XXXX  years ago with the bank. REFUND MY MONEY AND CLEAR MY NAME IF ANY NEGATIVITY WITH THE BANK. My contact information for the last XXXX plus years never changed. Same home address, same phone number that this bank could have notified myself. 


Prior to XXXX I had to report to the Corporate Office for a check I had written after the bank closed. They pulled the archives on the account and nothing was said about a debt, my account being not closed. I received the information from the closed account and then tellers today come up with a debt that they have no supporting documentation and can not share anything they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: AZ

Complaint narrative:
On XX/XX/year>, From my XXXX  XXXX XXXX checking account, I wired {$9000.00} to KraKen, which is an exchange for XXXX XXXX. On XX/XX/year>, I filed a wire fraud claim from Bank XXXX XXXX and they denied a refund on XX/XX/year>. I was scammed, catfished with malicious intent.

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 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX. On XX/XX/year>, I was at ATM " XXXX XXXX '' in XXXX, XXXX making a cash transaction ( cash advance ). When I saw the fees, I CANCELLED the transaction. NO paper receipt was produced by the ATM, although the screen said " transaction cancelled ''. I walked away from ATM with NO CASH. 
XXXX. On XX/XX/year>, after returning back home, I called Chase Sapphire and filed a dispute after seeing I was charged {$540.00} on my credit card from XXXX XXXX XXXX for a cash advance. 
XXXX. On approximately XX/XX/year>, I received a letter stating the charge valid and the dispute was closed. The letter had a copy of the transaction electronically recorded ( no pictures ). 
XXXX. On XX/XX/year>, I called Chase Sapphire and RE-OPENED dispute. I explained I did not receive any money and requested camera photos ( every ATM has closed camera ) of transaction to prove I did not get cash. Customer service replied they could not get a video or photo of transaction but would refile dispute. 
XXXX. On XX/XX/year>, I checked the Chase website for online dispute progress. I noticed progress reported incorrect information. Report said that " ATM didn't give the correct amount '' and that was incorrect. I did not receive ANY cash. I AGAIN called Chase Sapphire and was transferred to " XXXX ''. XXXX explained that the XXXX ( XXXX XXXX ) needs to prove I got the money, ( I was relieved to hear this ) so a third request will ask for proof. XXXX said I needed to wait to let the process " play out and that it takes time to resolve these transactions ''. 
XXXX. On XX/XX/year>, I received a survey from XXXX about my experience. 
XXXX. On XXXX XXXX I called Chase Sapphire for progress report. XXXX stated the dispute was closed with no change. I was recharged the {$540.00}. He explained the only alternative for me was to express my dissatisfaction by mail. I asked to be transferred to a supervisor. I spoke to XXXX. She explained dispute closed and nothing more I could do. I would have to pay the charge. 
XXXX. I have tried to contact company behind ATM XXXX XXXX with no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GFS, Inc.
State: TX

Complaint narrative:
I am filing this complaint because the same alleged debt is being reported twice on my credit report by two different collection agencies, which is inaccurate, misleading, and violates the Fair Credit Reporting Act ( FCRA ). 

The XXXX XXXX XXXX  and XXXX XXXX XXXX are both collection accounts represent the same original debt, yet each agency is reporting it as a separate collection account, making it appear as though I owe the debt multiple times. This has caused harm to my credit profile and artificially inflated my negative credit information. I've contacted both agencies on XX/XX/2025. Still no change nor clarification rendered. 

I have reviewed my account details with all credit bureaus, and the balances both state {$4300.00} original creditor, and dates clearly indicate that these tradelines are duplicates of the same alleged obligation. Reporting the same debt more than once is misleading and fails to meet the FCRA requirement that consumer reporting information be accurate and not duplicative ( 15 U.S.C. 1681e ( b ) ). No action has been taking and their reporting is impacting my credit tremendously.

I am requesting that the CFPB investigate this matter and require the furnishers to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have pulled my credit report, and I notice that an unauthorized debit was place on my report from an unauthorized company that was open against me in XX/XX/year> in the amount of {$880.00}. I have reached out to the company to about this matter. 

Help, my rights have been violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide me with proper validation of the debt when the items are requested in writing within XXXX days of initial contact. The accounts Ive referenced aren't XXXX % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I am filing this complaint regarding XXXX  's refusal to assist in the recovery of digital assets ( XXXX ) sent to an XXXX address managed by their platform. On XX/XX/year>, I sent XXXX ( {$240.00} ) XXXX to my XXXX  XXXX wallet address : [ XXXX ]. 

I attempted to resolve this via XXXX  's in-app chat on XX/XX/year>. The representative stated that XXXX has 'no access ' to the funds and closed the chat without providing a transcript. I am requesting that the CFPB compel XXXX  to review the chat logs from that date and address the technical recovery of these funds. 

While XXXX  claims they " have no access '' to these funds, the assets are XXXX tokens residing on the XXXX XXXX at an address for which XXXX/PayPal holds the private keys. This is a " misrouted asset '' issue. Other major exchanges ( such as XXXX  ) have developed " XXXX XXXX XXXX  '' for this exact scenario. 

Transaction ID ( XXXX  ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: TX

Complaint narrative:
I was charged XXXX  ( {$29.00} each ) by XXXX XXXX XXXX for a service I never authorized and never received. 
After the first unauthorized charge, I immediately contacted Cash App. They canceled my card due to fraud. 
Despite the card cancellation, the very next day the same merchant charged my account again for the same amount ( {$29.00} ). 
I contacted the merchant directly, and they confirmed that I do not have any account or subscription with them and that they can not issue a refund because no customer record exists. They advised me to resolve this with Cash App. 
I provided this information and evidence to Cash App, but my dispute was denied. 
These transactions were unauthorized electronic fund transfers under the XXXX XXXX Transfer Act ( XXXX ). Cash App failed to prevent a repeat fraudulent charge after canceling my card and failed to properly investigate my dispute. 
I am requesting a full refund of both charges and correction of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX I opened a new Bank of America business checking account. 
On XXXX I deposited XXXX Treasury for {$78000.00}. 
The bank placed a XXXX new-account hold ; the funds were scheduled to become available on XXXX. 
On XXXX the bank replaced that hold with an extended hold under 12 C.F.R. 229.13 ( e ) ( information indicates the check may be returned unpaid ). The entire account was frozen ; I can not access any portion of the deposit or the {$100.00} cash I originally opened the account with. 
I have XXXX  visited the branch and supplied a copy of the Treasury check and my ID. XXXX XXXX will not give me a release date or any written explanation. 
Treasury checks are guaranteed funds and are expressly exempt from most exception holds under XXXX XXXX The bank has exceeded the maximum permissible hold periods and has not provided the required written notice under 12 C.F.R. 229.13 ( g ).

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 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My mobile phone was stolen, and unauthorized transactions occurred afterward using XXXX XXXX linked to my Bank of America debit card. 

The transactions involved online XXXX  merchants that repeatedly withdrew and redeposited funds without my knowledge or authorization. I did not authorize these transactions, did not initiate them, and did not benefit from them. 

Once I became aware of the activity, I promptly disputed the charges with Bank of America. Despite this, Bank of America denied my claim by assuming the transactions were authorized based on account history rather than providing proof of biometric authentication, device-level authorization, or my direct consent. 

I am requesting a good-faith reinvestigation in compliance with Regulation E, disclosure of the evidence relied upon to deny my claim, and reimbursement for the unauthorized transactions.

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 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/year>, I purchased an item through PayPal for {$290.00} ( Transaction ID : XXXX ). The seller did not ship the item I purchased. I filed an Item Not Received dispute with PayPal ( Case ID : XXXX ) and requested proof of delivery. 

PayPal denied my dispute, claiming the item was delivered, and provided a XXXX  delivery photo as evidence. However, the photo shows multiple packages from other sellers, and the sellers package is not visible or identifiable. Therefore, there is no proof that the item I purchased was delivered to 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 monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.

Complaint narrative:
My mother XXXX XXXX XXXX, was a victim of XXXX financial exploitation and undue influence by her caregiver XXXX XXXX XXXX. XXXX XXXX used several of my mothers bank cards as an authorized user claiming my mother gave her access. My mother, who is deceased now, XXXX XXXX XXXX had XXXX  and XXXX XXXX  and was on multiple XXXX  including XXXX XXXX XXXX XXXX In XX/XX/2025 XXXX XXXX began using my mothers cards and ran up a total of XXXX dollars in charges. She also had the billing address changed on the cards so I would not find out. When I did discover the abuse I called the credit card companies to report the abuse/fraud, filed a police report on the caregiver and called Adult Protective Services . The credit card companies wrote the charges off as fraud after speaking with my mother and myself and clearly recognizing that my mother had been exploited and manipulated through undue influence of her caregiver. The only company that will not remove the charges as fraud is Citibank. The balance there is approximately XXXX. I have spoken to them constantly as did my mother but they told us they have my mother in their voice recognition system as agreeing to make XXXX XXXX an authorized user. My mother could not recall this. It bears mentioning that XXXX XXXX also was giving my mother XXXX  and XXXX XXXX XXXX XXXX XXXX. I recently spoke to Citibanks debt collector XXXX XXXX regarding this. I spoke to a XXXX XXXX and I relayed all of this to her and she clearly recognized this was fraudulent. I have formally written to Citibank and XXXX XXXX to dispute the entirety of the debt as fraud.

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 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: LA

Complaint narrative:
This is pretty much added on to the prior report that I made last night about this company sending my money back to a vendor that sent the money to me for a fraudulent charge that was on my account through cash app and here it is the next day now they put the money on my account is pending and then shut my account down to where I can't get it in my account and they're saying that I can't get my money it's {$300.00} and they're doing everything they can to try to not give me my money I wanted to dispute and then they sent the money back and put the dispute back in under investigation status last night they cut off the chat option in the call option so I couldn't get in touch with him and then the tour original disputes they disappeared out of my transaction history to work no one will find them and knows what they did but I've got a copy of it I'm going to send it to you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
On XX/XX/year> XXXX transactions of XXXX each one showed up on my account. As soon as I saw it I changed my card number and reported it to Goldman Sachs. I had the physical card with me but anyways they sent me a new physical card. After some time I received an email that charges will remain on my account despite it being a non authorized transaction as reported on the dispute. I requested the information used to determine this resolution but the bank denied it and said it was internal information and cant be shared with me. Unsatisfied with the solution and because I'm protected if fraud occurs as promised by the bank, I called again and reopened the dispute. A month later the same resolution came bank and again the evidence to make the decision was denied to me. Since XX/XX/year>, the dispute has been closed and reopened about XXXX times. Every time with the same resolution and no evidence provided to me that it was an authorized transaction. The only reason in the email is that not billing error has occurred. I clearly told them I never reported a billing error, I reported and unauthorized transaction on XXXX XXXX which I have never been used. They also denied to provide me with the passengers name so I can start a police report. At this time they just close the dispute again today, I put the charges back to my account which I'm not going to pay because I'm not responsible for paying unauthorized transactions. I need the company to do a good job, and a throughly investigation about who used my card for those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint against JPMorgan Chase Bank , N.A . regarding the improper closure of my Chase Freedom credit card account and the forfeiture of approximately XXXX Chase XXXX Rewards points. 

Chase closed my Chase Freedom credit card account on XX/XX/year>. As a result of this closure, Chase forfeited approximately XXXX XXXX Rewards points associated with the account. I never received any prior notice or notificationby mail, email, secure message, or otherwiseinforming me that my account was being closed or that my rewards would be forfeited. 

Chases failure to provide notice deprived me of the opportunity to redeem or transfer my rewards before the account closure. This lack of notice is unfair and deceptive, and I believe it violates applicable consumer protection requirements and Chases own stated policies regarding account closures and rewards forfeiture. 

I contacted Chase to request an explanation and reinstatement of the forfeited rewards, but Chase refused to provide relief and did not address the absence of any closure notice. 

I am requesting that the CFPB investigate this matter and require Chase to : 1. Explain why my account was closed without any prior notification ; and 2. Reinstate the approximately XXXX XXXX Rewards points that were forfeited without notice. 

Thank you for your assistance and oversight in this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 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: PA

Complaint narrative:
On XX/XX/XXXX, I started receiving emails from an individual name XXXX from Resurgent Capital Services. This is in regard to a balance of XXXX. The original creditor is XXXX XXXX XXXX, XXXX. I have never had an account with this company. I now have XXXX emails from them. The email says that it is from an email list, and that I have the option to unsubscribe, however the emails are saying that my account is on a prelegal track and I'm not sure that I can just ignore them. I sent a certified letter with return receipt requested on XX/XX/XXXX, using the XXXX XXXX address they provided for disputes. The letter disputed the debt, and also requested verification and the reason that they believe it belongs to me. I requested the full name of the individual who opened the account. This has already happened to me, that someone who has the same name but a different middle name incurred the debt. The company has not called me or mailed me anything, it is only emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I requested the reason why it was denied if Chase provided an invitation. Their response was because I have applied previously and was denied. I inquired about it previously. They stated that because I have no other products with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have no record of consent or participation in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 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: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
My rights are being violated. 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt Including a signed agreement, full account history, and verification of your authority to collect, you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief