vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 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: CA

Complaint narrative:
I am filing this complaint against XXXX, XXXX ( Cash App ) for a systematic failure to investigate a merchant misrepresentation claim ( claim # XXXX ). I was induced to send a payment via XXXX based on deceptive merchant claims and hidden fees. When I reported this, Cash App staff explicitly stated they would 'instantly deny ' the claim because the transfer was 'authorized, ' which directly violates the XX/XX/year> CFPB XXXX Order against Block, XXXX XXXX their obligation to conduct substantive investigations into transaction problems. I have already exhausted the dispute process with my funding bank ( XXXX ), which also denied the claim, leaving XXXX XXXX XXXX as the responsible party for this transaction error. I explicitly informed XXXX and Cash App that this was a case of Merchant Misrepresentation and Goods/Services Not Received, providing evidence of hidden fees and deceptive claims. Despite this, both institutions summarily denied my claims based solely on the fact that the transaction was 'authorized. ' By failing to investigate the underlying merchant error and using 'authorization ' as a blanket reason for denial, Block XXXX XXXX XXXX in direct violation of the error resolution requirements outlined in the 2025 CFPB XXXX Order and Regulation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
I am formally disputing the response provided by Mazda Financial Services to my complaint ID XXXX, as it does not address the core issue of my complaint. My dispute is not about the existence of a lease-end balance. Rather, it is about the inaccurate reporting of this account as a collection/settled debt, when it should not have been referred to collections in the first place. I have documentation ( attached ) demonstrating that the balance in question was not yet due at the time XXXX referred the account to a collection agency. Because the account was not delinquent, it was not eligible for collection activity. As a result, the subsequent reporting of this account as a collection and settled for less than full balance is inaccurate. XXXX response does not address this issue. Instead, they only confirmed that a balance existed and that I later agreed to a settlement. This does not resolve the central dispute : whether the account was properly referred to collections in the first place. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to ensure that all reported information is accurate and to conduct a reasonable investigation of disputed information. Reporting an account as a collection when it was not delinquent does not meet this standard. Because the referral to collections was improper, the resulting credit reporting is inaccurate. I am requesting the following : * A thorough investigation into whether this account was eligible to be referred to collections at the time of referral. * Documentation supporting Mazdas decision to send this account to collections prior to the due date. * Removal of the collection account and all associated negative reporting from my credit history. To be clear, I am not requesting an update or modification. I am specifically requesting full removal of the collection account from my credit report, as the reporting is inaccurate due to the premature referral to collections. Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
ALDOUS- is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS-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 - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: Klarna AB
State: MD

Complaint narrative:
Merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3000.00} Date of Initial Transaction : XX/XX/XXXX XXXX Summary : I am disputing a {$3000.00} charge for a " Concierge '' career service that was never delivered. Despite the merchant 's explicit admission that they could not meet the advertised standards due to internal staffing issues, Klarna is attempting to enforce the debt based on a " non-refundable '' clause. This violates the XXXX XX/XX/XXXX interpretive rule regarding Buy Now, Pay Later ( BNPL ) providers ' obligations to investigate disputes and refund for non-delivered services. XXXX of XXXX : XX/XX/XXXX : Subscribed to the " XXXX '' package ( {$3000.00} ) promising custom resume rewriting, XXXX redesign, and XXXX training. XX/XX/XXXX : Provided all necessary proprietary data, including resume and login credentials. XX/XX/XXXX : First " deliverable '' meeting. The resume provided was grossly inaccurate, contained AI-generated filler text, and unfinished sentences. It was unusable for C-suite applications. I immediately notified the merchant of the failure to meet the advertised standard and requested cancellation. XXXX XXXX & Deceptive Tactics : Admitted Failure : On XX/XX/XXXX, the merchant ( owner ) admitted the service was substandard. He cited personal issues and stated his available staff were unable to provide the level of service promised. Dispute Interference : During a two-hour call, the merchant attempted to coerce me into dropping my Klarna dispute. He offered to pay me the full amount immediately and later a {$1000.00} bribe and " expedited '' service only if I waived my consumer protections by removing the dispute from the Klarna platform. I refused to drop the dispute without a prior refund, recognizing this as an attempt to strip me of my legal rights. Retaliatory Threats : Once the merchant realized I would not waive my protections, he threatened to " invoke the non-refundable clause '' and charge me the full {$3000.00} despite his admitted inability to perform the work. Klarnas Failure to Investigate : Klarna has closed the dispute in favor of the merchant without addressing the admission of non-performance or the merchants deceptive attempts to interfere with the dispute process. Per Regulation Z and the CFPBs XXXX ruling, Klarna is a " card issuer '' and has a legal duty to investigate this billing error/non-delivery. They have instead allowed a " non-refundable '' policy to supersede federal consumer protection laws regarding contracts for services not rendered. Desired Resolution : I request a full reversal of the {$3000.00} balance, the removal of all late fees, and a cease-and-desist on any negative credit reporting while this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/XXXX, my wallet containing my XXXX XXXX prepaid debit card was stolen at the XXXX XXXX. I did not have the card in my possession after that date and did not authorize anyone to use it. I discovered the unauthorized transactions on XX/XX/XXXX, when reviewing my account after filing for unemployment following a layoff. The unauthorized transactions occurred on XXXX XXXX, XXXX at multiple merchants on XXXX XXXX, including XXXX 's ( {$7.00} ), XXXX ( {$17.00} ), XXXX ( {$170.00} )XXXX XXXX XXXX ( {$160.00} ), and XXXX ( {$9.00} ), totaling approximately {$380.00}. I did not authorize any of these transactions and did not receive any goods or services. I reported the theft and submitted a formal dispute on XXXX XXXX XXXX and signed and returned the required dispute documentation on XX/XX/XXXX. The dispute case ID provided was XXXX. The dispute form indicated the transactions were unauthorized and that the card had been stolen. As of today, more than XXXX days have passed since my dispute submission, and I have not received any update, provisional credit, or communication regarding the status of my claim. I have attempted to follow up but have not received a response. I am requesting reimbursement of the unauthorized transactions and a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I deposited a check for {$8200.00} into my Chase checking account ( ... XXXX ) via XXXX. Chase placed a hold on the entire deposit citing doubt of collectibility based on information from the paying bank or their own files. I subsequently confirmed with the check issuer that the funds were withdrawn from their account within XXXX business day of my deposit, demonstrating that Chase 's stated reason for the hold had no factual basis. The check cleared successfully and in full, further confirming that no collection risk ever existed and that the hold was entirely unjustified. During the hold period, my available balance was insufficient to cover transactions, and Chase charged me XXXX overdraft fees of {$34.00} each, totaling {$400.00}. XXXX of these fees resulted from small everyday purchases {$16.00}, {$17.00}, and {$20.00} totaling just {$55.00} in transactions yet generating {$100.00} in fees, nearly double the purchase amounts. These transactions would never have overdrafted had Chase released my deposited funds, which were available at the issuing bank within XXXX business day of my deposit. When I contacted Chase to dispute the fees, they agreed to refund only XXXX fees ( {$100.00} ), leaving XXXX fees totaling {$300.00} unrefunded. Chase 's decision to issue a partial refund is itself an acknowledgment of fault, yet they refused to make me whole. I am requesting a full refund of the remaining XXXX overdraft fees totaling {$300.00}. These fees were a direct result of a deposit hold that was unjustified from the start, as evidenced by the funds clearing immediately at the issuing bank and the check ultimately clearing without any issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I noticed fraud activity on my XXXX credit card, I alerted Synchrony Bank right sway. The fraudulent charges totaled almost XXXX. They started an investigation into activity in the XXXX, GA store. I reported to them that I still had my credit card. I did not loan my card to anyone or authorize these purchases. I have never even been to XXXX Georgia. I had a block put on my card and waited for their investigators to clear the charges on my account. My XXXX 's credit card account was closed by the bank.. They told me I had to reapply for a new credit card. I did a couple of times and I was declined. I had the XXXX 's credit card for several years. I had no late payments and my account was always in good standing. The bank then closed my XXXX Credit card which is also serviced by Synchrony Bank. Again no negative activity on this card. This all happened XXXX. I have since reapplied for XXXX Credit Card, only to be declined again. I have always held a XXXX XXXX above XXXX, presently XXXX on XXXX XXXX score is XXXX. I have no negative remarks or late payments on any of my accounts. I would really like to see my credit cards reissued to me. I shop at XXXX and XXXX frequently and appreciate the discount they apply to purchases and credit back issued on the XXXX card. Can you help at all getting my cards reissued to me and any negative information about unsatisfactory obligations removed. I fear their negative report may affect my credit should I pursue a new mortgage or new car loan. I need to have their negative remark removed from my credit profile.

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TN

Complaint narrative:
I was informed yesterday that my bank account with Chime had been shut down or closed due to suspicious activity. They said I could get back into my account after I provide a picture of my ID in the back of it and a selfie. I have done that all day yesterday and all day today and its not working. I had {$980.00} in my bank account now they are saying I dont have any money in my bank account and wont give access to my bank account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I've tried multiple times to have this account verified. This debt is not owed, I'm completely unaware of this debt. And I have never been provided with this debt 's origination date, the reason it originated, or proof that this is even my debt. I have never had any knowledge of this debt and have disputed its validity multiple times. Please verify, and remove this derogatory account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Complaint XXXX : JPMorgan Chase Bank , N.A . Product : Credit Card Issue : Interest charges/ fees Description of Complaint : I am submitting this complaint regarding interest charges applied to my credit card account beginning in XX/XX/year>. I have consistently made all required payments on time and have never missed a payment. My account has always been in good standing. The issue arose due to a misunderstanding of how the pay-over-time feature and monthly payment structure were applied. I believed that by making the required monthly payments shown on my statements, I was avoiding additional interest charges. Upon realizing this, I contacted customer service to request a review. The bank acknowledged my situation and granted a goodwill reversal for XXXX months of interest charges. However, they declined to review or reverse the remaining interest charges, even though they stem from the same circumstances. The total interest charged during this period is approximately {$1300.00} {$1500.00}. Given that : I have never missed a payment, The charges resulted from a misunderstanding rather than negligence, The bank has already granted a partial goodwill adjustment for the same issue, I believe it is reasonable to request a consistent and fair resolution for the remaining charges. Additionally, to demonstrate my good faith and intent to resolve this matter, I have already made payments toward the balance. I am also willing to pay the remaining principal balance ( currently {$8200.00} ) in full immediately if a fair adjustment is made. I have attempted to resolve this directly with the bank, including escalation to their XXXX customer service team, but my request was denied without further consideration. I value maintaining a positive relationship with the bank and hope this matter can be resolved fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have officially opened Bank of America XXXX XXXX XXXX regarding criminal theft by deception totaling {$2900.00} via XXXX. The stolen funds were sent on XX/XX/year>, in XXXX transactions to XXXX XXXX XXXX : {$1900.00} ( Confirmation # XXXX ) and {$1000.00} ( Confirmation # XXXX ) I am filing this CFPB complaint concurrently to ensure Bank of America XXXX XXXX XXXX properly reviews my documented evidence under Bank Secrecy Act ( BSA ) and Regulation XXXX compliance protocols, rather than the automated frontline system improperly denying it as a standard 'authorized push payment '. I possess an official felony Incident Report from the XXXX XXXX Police Department ( Report # XXXX, XXXX Millsap ) XXXX an FBI XXXX XXXX number ( XXXX ), and a pending Consumer Fraud Complaint with the Illinois Attorney General. Furthermore, the recipient of these BofA funds, XXXX XXXX, is currently under an active federal criminal indictment for felony narcotics trafficking in the XXXX XXXX XXXX Illinois ( Case No. XXXX ). Bank of America must investigate this under Regulation XXXX as criminal fraud and fraudulent inducement, rather than shielding the bank account of an actively indicted federal suspect.

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 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
I am a homeowner who was sold a solar system by XXXX XXXX XXXX XXXX XXXX XXXX ), a company that has since gone out of business and filed for bankruptcy, leaving thousands of customers with systems that never worked. My system never produced power, never passed inspection, and was never made operational. Despite this, XXXX financing companyhas continued to harass me for years through mail, text, email, and phone calls demanding full payment for a nonfunctional system they know can not be repaired because the installer is bankrupt. According to public records and consumer protection attorneys, XXXX XXXX collapse left homeowners with no support, no repairs, and no functioning systems, and the FTC XXXX XXXX allows consumers to assert the same claims against the lender that they could have asserted against the seller. XXXX continued collection efforts on a dead, nonoperational system are unfair, abusive, and violate the spirit of consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
We paid off this loan in XXXX and the company never released a lien on our home. We found out the lien still existed in late XXXX so we had to track down the lawfirm and found out we still owed fees. We paid the fees and a Lien Release was sent to the company on XXXX XXXX XXXX but it still hasn't been released. I am told they are still working on it but it has been almost 2 months now and we have not been able to consolidate our debt or do our loan which is putting us in a bind. Noone is being responsive or helpful at the company XXXX XXXX XXXX which is not XXXX XXXX.

Company response to consumer: Closed with explanation