vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 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: Business Processing Solutions, LLC
State: TX

Complaint narrative:
I file this complaint against Professional Account Management , LLC ( PAM ) ( XXXX XXXX XXXX, XXXX, NY XXXX ; ( XXXX ) XXXX ), a debt collector for XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX for violating the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and engaging in unfair business practices. I attempted to resolve this directly with PAMthey ignored all evidence, inflated fees, and continued harassment. 

Factual Details XXXXUnavoidable Toll Violation : The violation arose from medical necessity : I take XXXX XXXX XXXX, a medication requiring XXXX XXXX to expel excess sugar. I was forced to exit the highway urgently for restrooms, and the road was blocked by a car accidentcreating an unavoidable delay. I submitted medical records and accident context to PAM multiple times to dispute the debt. 

2.Ignored Dispute ( FDCPA 1692g ) : PAM failed to verify the debt or review my evidence, violating FDCPA 1692g, which mandates debt collectors investigate valid written disputes. 

XXXXUnlawful Fee Inflation ( FDCPA 1692f ) : PAM doubled the original {$60.00} debt to {$80.00} with no legal justificationthis violates FDCPA 1692f, which bans collecting unauthorized fees. 

XXXXHarassment ( FDCPA 1692d ) : PAM continued sending collection notices and contacting me despite my formal dispute, amounting to abusive/harassing conduct under FDCPA 1692d. 

Requested Relief 1.Investigate PAMs FDCPA violations and unfair practices. 

XXXXOrder PAM to immediately cease all collection/harassment related to XXXX. 

XXXXRequire PAM to reverse the inflated fees and dismiss the unjust debt ( backed by my medical/contextual evidence ). 

XXXXSanction PAM for FDCPA breaches ( where applicable ). 

XXXXProvide written confirmation of your investigation and PAMs corrective actions within XXXX days. 

Supporting Evidence Attached : Copies of PAM correspondence, medical documentation, toll violation notices, and accident context records. 

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 2026-01-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding an American Express prepaid gift card in the amount of {$350.00}, which I received from my employer as a XXXX bonus. 

I attempted to use the card one time only to make a legitimate purchase on XXXX. Immediately after that single attempt, American Express placed a hold on the card and froze the full balance. The card was not lost, stolen, or compromised, and I did not report it as such. 

When I contacted American Express gift card customer support, I was told the card was compromised without any evidence, explanation, or fraudulent activity. I was further told the card was no longer usable and that a replacement card would be issued, which could take up to 30 days. This is unacceptable, as these funds were a time-sensitive XXXX bonus intended for immediate use. 

At no point was I informed at purchase or during activation that American Express could unilaterally freeze funds after a single legitimate transaction attempt, or that access to my money could be denied for weeks with no wrongdoing on my part. 

As a consumer, I am now unable to access {$350.00} that belongs to me. This creates financial harm and defeats the purpose of a gift card. A prepaid product should not allow the issuer to arbitrarily restrict access to funds without due process or prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CitiBank closed my checking account without any prior notice or explanation while my funds were still in the account. When I contacted customer service, I was repeatedly told only that the account was being closed, with no further details provided. 

My funds have now been held for over 90 days, and there has been no court order, XXXX, or escheatment notice issued. Despite multiple attempts to obtain clarification by phone and in person, CitiBank has continued to refuse to provide any information regarding the status or release of my funds. 

My account was closed in early XX/XX/2025. I later received a letter dated XX/XX/2025, stating that the account was closed and that an official check for the remaining balance would be mailed to my address. To date, I have not received this check, nor have I been given any explanation for the delay. 

I am requesting immediate clarification regarding the status of my funds and prompt release of the balance owed 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 explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I think that someone has opened up an online banking account in my name at Truist and I would like to close it and never ever have one opened in my name again.

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 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Today XX/XX/year> I received an email message from American Express with this in the subject line : Future Transactions May Be Declined American Express has deceptive business practices. I have XXXX credit accounts with them. XXXX of my credit cards have a {$1000.00} limit. The third one has a {$9800.00} limit. 

The deception is this : Whatever limit is given, I really don't have that line of credit. I get threatened with future transactions will be declined if I have used 50 % of the {$1000.00} limit cards and 35 % of the {$9800.00} limit card. 

This past summer my hybrid car needed an expensive electrical repair {$800.00}. I used my {$9800.00} limit card to pay the bill. Amex threatened me with closure of that account unless I paid {$1200.00} on it within a few days. I paid the money. 

I have an excellent payment history with American Express. My credit report has a XXXX XXXX for my payment history AND Exceptional Payment History comments as well. I make early and frequent payments on my American Express credit card accounts. The way American Express treats me is like I am a bad customer which is not the case. Several times since I have had my account ( about XXXX years ) I have paid the accounts down to XXXX. American Express treats me badly. 

I don't have any missed or late payments period. So American Express is deceptive. Whatever credit limit they give me, that limit is not the truth. That is the basis for my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
My card has been used 3 times at XXXX ( my assumption is cloned ) on XXXX XXXX twice for {$100.00} each time then XX/XX/XXXX for {$35.00}. I was on vacation in the XXXX on these dates. This person also used a co payment of a snap goverment card and further tried to use it on XX/XX/XXXX ( every 2 days ) after I blocked the card. HSBC credit card has denied my claim, despite me being able to prove i was in the XXXX, I used my card to pay for my hotel on XX/XX/XXXX. 
The card was used at XXXX XXXX XXXX  and the stupid person who used it didnt realize the receipt linked to my XXXX account and yet I live in. FLORIDA, and as mentioned and proved, not even in the country. I also do not have a government snap card. This is the easiest fraud case as the person has shopped in a shop with cameras on every til and co paid with a government card and i have their receipts that showed up on my XXXX account so can give times and everything and see what they have brought.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I am updating my complaint because collections that were previously removed from my credit report have reappeared on my TransUnion report as of XX/XX/year>. 

I did not receive any reinsertion notice, validation, or explanation. There has been no new activity on these accounts. This appears to be improper reinsertion under the Fair Credit Reporting Act. 

I am requesting deletion of the reinserted collections and written confirmation of compliance with reinsertion requirements.

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 2026-01-03 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: LA

Complaint narrative:
On XX/XX/year> ], at a Chase branch located in XXXX la, I was required to provide additional identification for a routine transaction despite presenting my Chase debit card. 
Specifically, during a {$120.00} transaction, the teller stated that an additional form of identification was required just this once, without providing a clear explanation of whether this was branch policy, an account-specific requirement, or a system issue. 
On a later visit involving a larger withdrawal, inconsistent explanations were again given regarding identification requirements. At no point was a clear or consistent policy explained. 
I am concerned about inconsistent application of identification requirements and lack of transparency, which caused confusion and concern about my ability to access my own funds. I've went to other chase branches and never experience this, I feel like it's racially motivated and I'm ready to take legal action. 
I am requesting clarification of the applicable policy, assurance of consistent treatment going forward, and confirmation that my account is not improperly flagged or restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: DE

Complaint narrative:
I withdrew money and never received it from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: Block, Inc.
State: MD

Complaint narrative:
Afterpay To Whom It May Concern, I am submitting this correspondence as a formal notice regarding my Afterpay-financed transaction involving merchant XXXX  ( Order # XXXX ). 

This letter is to clearly state the following for the record : I am not reporting myself for fraud. 
I am reporting merchant fraud and deceptive business practices related to XXXX 
This report has been submitted in good faith to the Federal Trade Commission ( FTC ) based on the merchants failure to fulfill obligations and the failure to honor a guaranteed refund. 

XXXX acknowledged my dispute and confirmed that merchants are responsible for delivery, fulfillment, and refunds. Despite this acknowledgment and assurances that a refund would be issued upon review, no refund has been processed. Meanwhile, payments continue to be debited and the account continues to be reported. 

The continued reporting and collection activity while the underlying transaction remains disputed is inaccurate and misleading. Reporting a balance under these circumstances does not reflect the true status of the account and raises concerns under consumer protection laws, including the Fair Credit Reporting Act. 

The FTC does not penalize consumers who report fraud in good faith. On the contrary, the FTC exists to protect consumers from deceptive and unfair business practices. My report was submitted truthfully, supported by documentation, and solely for consumer protection purposes. 

Given that this matter is now under federal review, I respectfully request : XXXX. XXXX suspension of credit reporting related to this account XXXX. XXXX of further debits while the investigation is pending XXXX. Correction or removal of any inaccurate credit reporting associated with this transaction Please confirm in writing that this account is being reviewed and that no adverse reporting will continue during the investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: NC

Complaint narrative:
I have monetization into my Chime account. I use chime rewards and claims that I used with my physical card. They say I didn't when i have proof within the account clearly that i did, i'm owed back quite a pretty serious amount from these rewards. at least {$200.00}, or so at this point. They didn't take accountability and told me to file a fcc complaint after i already filed a XXXX complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Round Up Ventures, L.P.
State: TX

Complaint narrative:
Company name : XXXX Account number : XXXX Amount : {$1000.00} What happened XXXX is reporting a account on my credit reports for a debt that does not belong to me. I have never had an account with the alleged original creditor, nor have I agreed to any debt in this amount. Despite the debt being inaccurate, XXXX has continued to report this account as a collection every month, causing ongoing harm to my credit profile. 

I formally disputed this debt and requested validation. To date, XXXX has failed to provide competent evidence that I am legally responsible for this alleged debt, including any signed contract, application, or proof of ownership. 

By continuing to report this account without proper validation, XXXX is : Reporting inaccurate and unverified information in violation of the Fair Credit Reporting Act ( FCRA ) Attempting to collect and report a debt that is not owed, in violation of the Fair Debt Collection Practices Act ( FDCPA ) Failing to conduct a reasonable investigation before furnishing negative information to credit bureaus. Causing ongoing financial and reputational harm through repeated collection reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To Whom It May Concern, I am formally disputing a collection account being reported on my consumer credit file by LVNV Funding LLC, reflecting an alleged balance of approximately {$580.00}.

This dispute is submitted pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

LVNV Funding LLC is a third-party debt buyer and not the original creditor. To date, no competent evidence has been produced demonstrating :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I become a member of experian credit bureau at the beginning of 2025 at first my XXXX XXXX was XXXX when i became a member I was ask to pay {$99.00} a month and for a lease 6 months i agree and signed all statement that was required i never had a bad credit account because I paid off my creditors and some of my accounts were already closed so some of the accounts had bad remarks like late payments, negative marks, are over 10 years old and some was consolidated through a third party agency experian customer care services remove some mark and also when I review my social security number that's incorrect they stop answering the phone I was always redirected to other departments never solving the problems nor did experian credit bureau so when my credit started looking better with these close accounts an stating close and full paid off the care services lower my credit score to a XXXX which was completely unacceptable I was looking forward to see my score go up now my livelihood hood is completely damaged, lose, an confused, I'm a recipient of XXXX XXXX XXXXXXXX holder, not able to apply for housing, any other credit account are living an us without being ask for a credit score higher then XXXX i feel this is wrongly decided my experian credit bureau the company avoiding my complaints and disputes with the others creditors also refuse to put the correct spelling of my name a lot of there information is falsely written on my credit account please help me with this matter

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 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I reported a fraudulent charge on my Citi card ending in XXXX in XXXX of XXXX. Citi said they closed that account and reissued me a new card on XX/XX/XXXX. I received my new card ending in XXXX on XX/XX/XXXX. In XXXX I started the process to refinance my home and the lender informed me that I did not qualify because my debt to income was too high. He said I needed to pay off XXXX of my Citi credit cards. I explained that I only have XXXX Citi credit card, but he said I show XXXX on my credit report and both with a high balance. I called Citi and they told me that the card ending in XXXX was closed and the balance was transferred to the new card. Citi said they do not show an open account with a balance, even though I told them it is showing on my credit report. On XX/XX/XXXX I called again because the old account was still showing on my credit report. They said they submitted a dispute and it will take 30 days. The lender was unable to complete my refinance due to these issues. On XX/XX/XXXX I called Citi Cards again and spoke to XXXX and she transferred me to her supervisor XXXX and she said the $ XXXX balance was transferred to the new card back in XXXX and they show the account closed. She said I will need to dispute it with the credit bureau myself. On XX/XX/XXXX I called XXXX and did a dispute for card ending in XXXX because they said it is still showing as an active, open account with a balance. XXXX  gave me conf # XXXX. On XX/XX/XXXX I received my updated credit report from XXXX and it still shows the XXXX Citi account and now the balance is higher ( was $ XXXX that should have been transferred to the new card and now shows $ XXXX ). I called Citi again on XX/XX/XXXX and she said she doesn't know why it is reporting that way because it shows closed and XXXX balance on their end. She told me to call back Monday and talk to XXXX XXXX for a letter showing the old account was closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Americas Car-Mart, Inc.
State: MS

Complaint narrative:
Car mart put a repo on my credit and the car wasnt repossessed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am a long-standing customer of Synchrony Bank with a 100 % on-time payment history. I recently discovered that my account was charged a significant amount of " deferred interest '' after a 0 % promotional period ended in XX/XX/XXXX. 

While I have been making minimum payments faithfully, I was under the impression that the balance was being handled correctly. Once I realized the high interest rate ( approx. 30 % ) and the retroactive interest charge, I immediately contacted Synchrony. 

I spoke with both a representative and a supervisor on XX/XX/XXXX, and offered to pay the remaining principal balance of approximately {$3100.00} in full immediately in exchange for a one-time waiver or partial credit of the interest accrued since XXXX. Despite my perfect payment history and good-faith offer to settle the debt today, my request was denied. 

I am seeking an executive review of my account. I am asking for a one-time gesture of goodwill to credit back the interest charges so that I may pay off the account in full and resolve this matter. I am prepared to authorize a full payoff the moment a compromise is reached.

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 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I was scammed for {$320.00} ( split into XXXX payments, XXXX for {$100.00} and {$120.00} to XXXX and XXXX for {$100.00} to XXXX ) on XXXX. I was negotiating with a seller named XXXX XXXX on XXXX XXXX for a collection of XXXX cards. The seller profile and listing were deleted after I sent the money, but I have screenshots of our entire conversation. I had never used Zelle before, and was not aware of this method of scamming.

Company response to consumer: Closed with explanation