vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against U.S. Bank regarding my XXXX XXXX XXXX Credit Card ( ending in XXXX ). U.S. Bank advertises that this card provides 5 % cash back on 2 selected categories chosen by the cardholder. I have consistently selected categories such as fast food and ground transportation for the 5 % cash back rewards since XX/XX/year>. However, upon recently reviewing my account transactions and rewards, I discovered that I have not received the promised 5 % cash back on purchases within these selected categories. Instead, it appears that I have been receiving a lower reward rate that is 1 %, which does not match the terms advertised by U.S. Bank. This issue is not limited to a single billing cycle or isolated error. I have not received the correct 5 % cash back from XX/XX/year> through the present. This suggests a systemic issue or failure by U.S. Bank to honor the terms of their advertised rewards program. I believe this is misleading and unfair to consumers. I respectfully request that the CFPB investigate this matter and assist in ensuring that : XXXX. U.S. Bank provides a clear explanation for the discrepancy. XXXX. All missing rewards are properly credited to my account. I am providing you additional documentation, screenshots of categories selected that are required to support my complaint. Thank you for your time and assistance. Sincerely, XXXX XXXX

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: LA

Complaint narrative:
I had a whole bunch of charges made by XXXX XXXX to my chime in the about of XXXX XXXX and XXXX at on XX/XX/year> at XXXX and I been having problems with transactions I don't recognize steadily taking money out and chime said they put a block on the merchant but they still taking money out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Discover Bank is furnishing a negative trade line on my credit report even though I issued a written ceaseanddesist notice, and Discover continued to contact me afterward. Discover also failed to validate the account when requested. The information they are furnishing is inaccurate, incomplete, and not verifiable. CeaseandDesist Violation I sent Discover Bank a written ceaseanddesist notice. Despite this, Discover continued to contact me. This is a direct violation of : FDCPA 805 ( c ) prohibiting communication after a written ceaseanddesist FCRA 623 ( a ) ( 1 ) ( A ) furnishing information they know or should know is inaccurate or misleading A furnisher can not continue collection activity or communication after a ceaseanddesist. FCRA Violations Discover also violated multiple provisions of the Fair Credit Reporting Act : FCRA 623 ( a ) ( 1 ) ( A ) reporting information that is inaccurate or misleading FCRA 623 ( a ) ( 8 ) failure to conduct a reasonable investigation Regulation XXXX ( 12 CFR 1022.43 ) failure to review all relevant information and provide verifiable evidence Discover did not provide : Any signed agreement Any statements Any payment history Any documentation validating the accuracy of the trade line Because Discover can not validate the account, the information is unverified and can not legally be furnished. Consumer Harm Discovers unlawful communication and continued furnishing of unverifiable information have caused : Increased credit utilization Reduced access to credit Higher interest rates Ongoing credit damage Requested Resolution I am requesting immediate deletion of the Discover Bank trade line from all credit reporting agencies due to : ( XXXX ) XXXX communication, and ( XXXX ) furnishing inaccurate, incomplete, and nonverifiable information in violation of FCRA XXXX and Regulation XXXX. Additional Notes Discovers actions demonstrate a pattern of noncompliance. The appropriate corrective action is deletion of the trade line. -- -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am submitting a follow-up complaint regarding a prior complaint I filed against Cash App concerning disputed transactions with the merchant XXXX. XXXX is the complaint id for the first one. Cash Apps prior response did not adequately address the core issues raised. Specifically, their response relied on generalized conclusions and failed to provide transaction-specific explanations for why the majority of disputes were denied. All disputed transactions originated from the same merchant, involved the same token-based system, and were tied to the same failure to deliver a promised featurepriority support unlocked after reaching a certain token threshold. Despite this, Cash App issued refunds for 29 transactions ( totaling {$300.00} ), confirming that issues existed with the merchants service, while denying the remaining transactions without explaining any factual distinction between them. The denied transactions occurred under the same conditions as the approved ones. However, Cash App did not provide any transaction-by-transaction reasoning or evidence demonstrating why some claims were deemed valid and others were not. This inconsistency indicates that the disputes were not evaluated uniformly or based on the same standards. Additionally, I submitted supporting evidence documenting repeated service failures, including delayed responses, unresolved issues, chat closures, and denial of assistance by support agents. Cash Apps response does not acknowledge or reference this evidence, raising concerns that it was not reviewed as part of their investigation. This matter is not a case of subjective dissatisfaction. It involves a documented failure by the merchant to deliver a promised, unlocked feature after payment was made, as well as inconsistent and unsupported determinations by Cash App in handling the disputes. I am requesting : XXXX. Reopening and reinvestigation of all denied disputes XXXX. A transaction-by-transaction explanation identifying the specific basis for each denial XXXX. Confirmation that my submitted evidence was reviewed and considered XXXX. Reimbursement of all transactions where the promised service was not delivered Given the partial refunds already issued and the absence of any documented distinction between approved and denied claims, the current outcome reflects inconsistent and incomplete dispute handling. I request a thorough and documented review of this matter. Thank you.

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 — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Subject : Formal Complaint - capital one bank To Whom It May Concern, I am writing to formally complain about a restriction placed on my account and the holding of my funds without clear explanation or timely resolution. My account number ( last 4 digits ) : XXXX Date issue began : [ XX/XX/year> ] Amount being held : {$850.00} On the above date, XXXX my account was restricted and my funds were placed on hold. I have not been provided with a clear reason for this action, I have contacted customer service 12 times and have not received a satisfactory explanation or solution. This situation is causing significant financial hardship, as I rely on access to my funds for daily expenses and business operations. This is discussing, they are profiling me for what? This personal account is XXXX XXXX XXXX, everytime i call it range from 15-80 min on the phone, they asked to speak to me for ve answered all questions they had also spoke to my wife XXXX XXXX she is joind on my account its my wife, tgey asked her if she was a citizen and what country are you from and where you born and how do you get your income, my and my wife talked with them 12 times and after each call, wait 7-10 days, then we call again and shows no record of us calling previously i told tgey you are playing games with us and this has affected us mentally and we are not children to be lied to, so please help us resolve this issue with capital one bank I respectfully request the following : 1. A clear explanation of why my account is restricted 2. Immediate steps required to resolve the issue 3. A specific date when my funds will be released Sincerely, [ XXXX XXXX ] [ XXXX ] [ 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: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XX/XX/year> To Whom It May Concern, I am requesting validation of the alleged debt referenced below, pursuant to my rights under FDCPA 809. Account Name : COLUMBIA DEBT RECOVERY I do not recognize this debt and request that you provide proper validation, including : - Proof I am legally obligated to pay - The original signed agreement - Full account history and itemized balance - Name and address of the original creditor Until you provide this information, you must cease all collection activity. If you can not validate this debt, you are required to delete it and notify all credit reporting agencies accordingly. Please send all documentation and correspondence in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I submitted a complaint 2 weeks ago and the bank replied, but the case is still not solved, they said they sent me the checks by mail, i never received the checks, and the amounts on the checks they told me they sent, is not was in XXXX account, i had much more than that, why are they only sending me a fractuion of it? i do not and could not enter my account to take screenshots or print statements because they blocked me, i couldnt enetr my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, XXXX placed a temporary authorization hold of {$190.00} on my account for a trip. At XXXX XXXX XXXX on the same day, XXXX officially VOIDED this transaction, meaning the funds were never captured or settled. I have provided Cash App support with official proof from XXXX showing the transaction status as 'Void '. Despite this, Cash App continues to hold my funds ( {$190.00} ) and refuses to perform a manual release. Their support team has repeatedly told me I must wait until XX/XX/XXXX, which is an unacceptable delay for a voided authorization. This is a violation of Regulation E regarding the prompt release of non-captured funds. I am requesting an immediate manual reversal of this hold so I can access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I am disputing a collection account being reported by Fair Collections & Outsourcing ( FCO ) for an alleged apartment debt from XXXX XXXX XXXX XXXX XXXX in the amount of {$31000.00}. I requested validation, and instead of providing a lease, ledger, move-out statement, or itemized charges, FCO sent me the following letter. They did not provide any documentation. Fair Collections & Outsourcing XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assigned Principal : {$31000.00} Payments to FCO : {$0.00} Account Balance : {$31000.00} Date : XX/XX/year> To : XXXX XXXX XXXX REASONABLE INVESTIGATION NOTICE This office received your dispute and pursuant to our obligations under the Fair Credit Reporting Act has conducted an investigation of your account. We have found the account to be reported correctly and will continue to report it. Please be advised that we may not be required to respond to multiple identical requests. If you have any questions call our office and speak with a debt collector at ( XXXX ) XXXX. THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT BY A DEBT COLLECTOR. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. Despite this letter, FCO has never provided any documentation proving the debt is valid. They continue reporting a XXXX XXXXXXXX balance to the credit bureaus without validation. This is not a reasonable investigation under FCRA 611. I am requesting CFPB review and intervention.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not linked to these accounts ; they must be taken down within XXXX days per USC 1681g.

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 — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
Money was taken from my account without my permission... Friday XX/XX/XXXX at XXXX pm a transaction in the amount of {$10.00} was taken from my account by XXXX XXXX for XXXX XXXX pay!!

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 — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Using chase quickaccept is horrible for big transaction 's. {$4300.00}. XXXX on XX/XX/year>, was the inital amount flagged I provided all information they asked for detailed invoice, XXXX with customer, services provided and all information about my business website, XXXX forms, XXXX, XXXX of address, instagram, websites, name of business. After this transaction was flagged all transaction after were completed but frozen from being deposited into my account. Around XXXX total so far. The review time says XXXX days XXXX, the account has been frozen since XX/XX/XXXX til now. I talked with XXXX employee 's they all told me something XXXX even lying to me. XXXX XXXX search this is a common occurance with this processing company chase quick accept. They can flag any transaction for any reason at anytime. Which after XXXX days XXXX law states they must release my funds, they can not even give me a reason to what is XXXX reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I am submitting a new complaint regarding Bridgecrest Credit Company , LLC due to failure to provide requested documentation and continued collection activity. I previously requested a complete contract file and documentation supporting all charges included in my account. To date, I have not received sufficient documentation verifying authorization of charges or a full breakdown of the account balance. Despite this, I am being threatened with repossession. The lack of documentation supporting the balance raises serious concerns regarding the accuracy and validity of the account. I am requesting immediate production of all requested records and review of this account before any further collection or repossession actions are taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing regarding serious issues with my mortgage servicer, JPMorgan Chase Bank ( Chase ), for account number XXXX. My mortgage account has been placed into foreclosure status, and I am currently unable to access my online account. This has prevented me from viewing my balance, tracking due amounts, or receiving proper and timely communication regarding my loan. Despite multiple attempts to obtain information and resolve the situation, I have not received clear, consistent, or timely communication from Chase regarding : My current balance and amounts due The status of my loan and foreclosure proceedings Any available loss mitigation or mortgage assistance options As a result of this lack of access and communication, fees have accrued on my account that I believe are unfair and could have been avoided if proper notice and account access had been provided.

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 when making payments — 
Company: Klarna AB
State: MD

Complaint narrative:
I am filing a complaint against Klarna regarding an incorrect balance they are attempting to collect for an XXXX purchase that was never successfully processed. On XX/XX/year>, I placed an order through XXXX using Klarna. The total charge in question is {$290.00}, associated with statement number XXXX. Klarna is now claiming I owe {$420.00}. I contacted XXXX directly and received it written confirmation that : The charge of {$290.00} was declined No funds were captured from my card No balance is owed for this order I provided this written confirmation to Klarna as requested. Despite this, Klarna ignored the proof and reactivated the balance on my account. Klarna is attempting to collect payment for a transaction that was never completed and for which no funds were ever taken. I have made multiple attempts to resolve this issue directly with Klarna by providing documentation and explanations. However, they continue to maintain an incorrect balance and have failed to correct their records. I am requesting that Klarna : XXXX. Remove the incorrect balance of {$420.00} immediately XXXX. Close this dispute in my favor XXXX. Confirm that no negative reporting will be made to my credit I have supporting documentation from XXXX confirming that no payment was processed.

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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XX/XX/XXXX : I paid the full balance of {$3800.00} for XXXX weeks of summer camp at XXXX XXXX XXXX using Paypal Credit. The purchase was covered by XXXX 's XXXX XXXX, which would provide for a full refund if the service is not delivered. XX/XX/XXXX - XXXX, XXXX : I try to contact XXXX XXXX XXXX to change the session my daughter is registered for. I receive no response after reaching out via phone and email several times. XX/XX/XXXX : I file a dispute with Paypal Credit, stating that I can't get in touch with the camp and would like to dispute the charge. XX/XX/XXXX : XXXX XXXX XXXX announces that they are closing and will no longer be operating in the summer of XXXX. XX/XX/XXXX : XXXX closes the case in the seller 's favor, stating that " This decision was made because if an item is materially similar to the seller 's description, we do not consider it to be significantly not as described. '' XX/XX/XXXX : I reopen the dispute, providing evidence that the camp will be closing and is no longer operating, therefore they are not going to deliver the service I paid for. XXXX denies the case since it has now been more than XXXX months since the purchase date. I call Synchrony and explain that the case should be reopened as my initial dispute was filed before the XXXX month time frame and it should all be included as part of the same initial dispute. XX/XX/XXXX : XXXX once again closes the case in the seller 's favor. The reason given is : " We have reviewed the information on file and found no evidence of a billing error. '' I am currently still out the balance of {$3800.00}, the camp has provided no plan on returning the money, and will not be operating this year. This is noted by several communications from the camp as well as their website.

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