vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 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: AMERICAN EXPRESS COMPANY

Complaint narrative:
I am filing this formal complaint against American Express for their gross negligence in handling a massive identity theft and credit card fraud case. Not only did the bank fail to protect me from over {$30000.00} in unauthorized charges, but they also summarily canceled my account despite overwhelming evidence that I was a victim of fraud. I have been a permanent resident of XXXX for the past XXXX years since XXXX XXXX. I was physically present in XXXX during all the transaction dates listed below. I did not authorize these charges, nor was I in possession of the physical card in the United States during this period. The fraudulent activity occurred across the XXXX ( XXXX XXXX XXXX XXXX XXXX ) while I was thousands of miles away in XXXXXXXX XXXX unauthorized transactions include : {$7900.00} XXXX * XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$93.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and more... I promptly disputed these charges and provided evidence of my residency and physical presence in XXXX. I was only in XXXX twice for short period in the past XXXX and XXXX years, for a wedding in XXXX in XXXX and for family in XXXX in XXXX. Both were far after the purhcase happened There was even suspect 's name appreared in XXXX XXXX XXXX transaction, which is totally not mine. However, American Express didn't investigate that suspect for payments, but dismissed my claim without providing any factual basis or evidence ( such as signed receipts or surveillance footage ) that would link me to these XXXX physical transactions. Following their flawed investigation, American Express unilaterally canceled my account, citing the balance caused by these fraudulent charges. By doing so, the bank has : XXXX. Violated the XXXX XXXX Billing Act ( FCBA ) by holding me liable for more than {$50.00} in unauthorized charges. XXXX. Failed to perform a " reasonable investigation '' as required by federal law. XXXX. Caused severe, unwarranted damage to my credit profile by reporting this fraud-induced balance as a consumer default/charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
someone stole my personal information and applied for a credit cards so I want to remove these fraudulent activities from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This complaint concerns the account reported by Portfolio Recovery Associates , LLC, Account XXXX : XXXX. I requested validation of this account. However, the documentation provided was not related to this account. Instead, I was sent documents from an unrelated account dated XXXX. These documents do not correspond to the account currently being reported and can not reasonably be used to validate its accuracy. Despite this, Portfolio Recovery Associates continues to report the account as valid without providing documentation that directly corresponds to this account. This raises serious concerns regarding the accuracy and integrity of the information being furnished. Providing documentation from an unrelated account does not satisfy the requirement to properly validate a disputed account. As a result, the information being reported is inaccurate and unverifiable. I am requesting that this account be deleted from my credit report due to failure to properly validate and verify the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/year>, I applied for the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, issued from Bank of America, specifically to take advantage of a promotional deal for XXXX % off of a flight as I am planning to fly to XXXX from XXXX in XXXX. I was approved for the credit card. I analyzed the details quite thoroughly I thought, and even called XXXX XXXXXXXX to make sure I would be able to use this promo. When attempting to book the flight yesterday the system would not allow me to make the booking, stating that I the promo is only good for travel from early XXXX through XXXX of this year. Upon further investigation I found these restrictions in the terms and conditions. I did not expect the terms and conditions to be about the promo, especially as when I started to reveiw them they were covering details such as interest rates, etc. In addition, the promo stated that the XXXX % discount would be available to me within XXXX days of approval of my application for the credit card. Why would anyone care about that offer being available within XXXX days if they can not even use it to make a reservation until XXXX for travel in XXXX? This is misleading advertising. Today, I called XXXX XXXXXXXX asking them to correct the issue. I spoke with XXXX. She stated that she could not make a correction and pointed to the terms and conditions wording. We also discussed the travel destinations and upon reading the terms and conditions she stated that travel between XXXX and XXXX is not permitted with the promo. I believe she is incorrect. This again goes to show the confusing nature of the promo.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
This account was opened XX/XX/XXXX. It has a {$17.00} balance. I disputed with credit bureaus XX/XX/XXXX and they refused to remove account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
b'Consumer: XXXX XXXX XXXXCompany Complained About:\nLVNV Funding LLC\nComplaint Details:\nI am submitting this complaint regarding LVNV Funding LLC for reporting multiple collection accounts on my consumer credit report while failing to provide sufficient documentation supporting ownership, accurate balances, and lawful authority to furnish information.\nLVNV Funding is reporting multiple accounts on my credit report, including accounts ending:XXXXThese accounts have materially harmed my credit profile.\nImportantly, I have previously made payments toward certain LVNV accounts. Despite accepting payments, LVNV has not provided clear accounting showing how those payments were applied, how current balances were calculated, or whether all credits were properly posted.\nLVNV has also failed to provide:\nComplete chain of assignment for each alleged account;\nProof that LVNV owns each specific debt being reported;\nItemized accounting of principal, fees, interest, and payment credits;\nDocumentation establishing authority to furnish data to consumer reporting agencies.\nAccepting payments while continuing to report harmful balances without transparent reconciliation creates significant consumer harm and raises concerns regarding the accuracy and completeness of furnished information.\nReporting unverifiable or inaccurately stated balances may violate the Fair Credit Reporting Act, including 15 U.S.C. 1681e(b) and 1681s-2.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: FL

Complaint narrative:
I used Klarna to finance a purchase from XXXX in XX/XX/year>, totaling approximately {$530.00}. The product I received was incomplete and not as described. I attempted to resolve the issue with the merchant, but they did not provide a proper resolution aside from requesting a return, which was complicated by issues with the return process, including a failed or problematic XXXX pickup. I contacted Klarna and opened a dispute. Klarna informed me they could only pause my payments and directed me to resolve the issue with the merchant. Despite my continued efforts with XXXX, the issue was never resolved, and I did not receive a complete or acceptable product. I pursued resolution through multiple channels, including the XXXX XXXX XXXX and the Florida Attorney Generals Office, but the matter remains unresolved. Klarna has since stated that I am outside their dispute window and declined to fully resolve the issue. Klarna recently offered a partial refund of {$92.00}, which I accepted to reduce my financial loss. However, I am still being charged for the remaining balance for a product that I did not properly receive. I believe Klarna failed to adequately investigate and resolve this dispute as a financing provider. I am requesting that Klarna cancel the remaining balance and refund any additional payments made for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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 have been using cash app for years but lately XXXX 's of XXXX just disappear from my account on several occasions and when I contact them they never responds until 2weeks to a month and then they say they are not able to help me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank blocked my savings account for no reason. I received an email from XXXX XXXX claiming there were an outstanding balance I owed. I called customer service, they did not provide any help. I have {$58000.00} in my savings account I cant get access to.

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 2026-04-28 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am disputing unauthorized transactions on my TD Bank credit card account. This is not a dispute about account ownership. The account was legitimately opened by me on XX/XX/XXXX. However, the card was lost at a later date, and multiple transactions were made without my authorization after that point. Upon discovering these unauthorized charges, I reported the matter to TD Bank and requested an investigation under the Fair Credit Billing Act ( FCBA ). I explicitly stated that I did not authorize, participate in, or benefit from these transactions. Despite this, TD Bank failed to conduct a reasonable investigation and instead relied on internal assumptions rather than providing any direct evidence that I authorized the transactions. I also formally requested detailed validation of the alleged charges, including : - Proof of authorization for each transaction - Signed receipts or merchant verification - IP/device logs or location data associated with the transactions No such evidence has ever been provided. Instead, I only received generic account statements and internal system records, which do not constitute proof of authorization. As a result of TD Banks failure to properly investigate and resolve this dispute : - The account was charged off with a balance of {$1600.00} as of XX/XX/XXXX- The account has been reported negatively to credit bureaus - The debt was sent to a third-party collection agency ( XXXX XXXX XXXX XXXX ) After I filed complaints and disputes, the collection agency closed the account and returned it to TD Bank with an identity theft notice. However, TD Bank continues to report this account as valid and delinquent without providing any evidence of authorization. This raises serious concerns regarding compliance with : - The Fair Credit Billing Act ( FCBA ) for failure to properly investigate unauthorized transactions - The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, for continuing to report inaccurate and unverified information I am requesting that TD Bank : 1. Provide direct evidence that I authorized the disputed transactions, or 2. Remove the account and all related negative reporting from my credit file I am not responsible for these charges and will not accept liability for transactions that were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Says card was opened XX/XX/XXXX It is saying the account is charged off with balance of {$1200.00}. I disputed this account with the credit bureaus XX/XX/XXXX because this account was opened fraudulently and I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This account has to be fraudulent, I remember not taking a class that obviously has to be the class which was billed by an online school fraudulently I never authorized it and other than that I have no knowledge of the debt and deny it as well owing.

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 2026-04-28 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: AXOS FINANCIAL, INC.
State: MI

Complaint narrative:
On XX/XX/year>, an unauthorized wire transfer of {$1900.00} was initiated from my checking account at XXXX XXXX to an account at Axos Bank in the name of XXXX XXXX ( account ending in XXXX ). I did not authorize this transaction, nor did I provide consent for any such transfer. I promptly notified XXXX XXXX upon discovering the issue and filed a fraud claim. Despite my notification : * The funds have not been returned * I have not received a satisfactory explanation of how the transaction was authorized * The bank has not demonstrated that proper authentication or security procedures were followed Impact / Harm Caused : * Direct financial loss of {$1900.00} * Disruption to my personal finances and account stability * Time and effort spent attempting to resolve the issue without success

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I previously filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX regarding this same matter. Truist provided only an interim response stating that it was still working on the issue and researching the matter, but no meaningful resolution was provided. Despite that complaint, my funds have still remained withheld and the underlying issues have not been corrected. This matter began on XX/XX/XXXX when my fiances legitimate tax refund, issued through XXXX XXXX XXXX XXXX, was deposited into my Truist account. Truist froze my accounts, later closed them based on alleged fraud, and has continued withholding more than {$5000.00} of my funds. I repeatedly attempted to provide evidence that the deposit was legitimate, including that I am listed on my fiances tax return and that my identifying information appears on the return. Those efforts were ignored or declined. I was also informed by a Truist supervisor that I was reported to XXXX XXXX XXXX XXXX XXXX ) due to the alleged fraud, which can negatively impact my ability to bank elsewhere. Truist has stated they sent a request to return the funds and are waiting on the depositing institution. However, I contacted the depositing institution directly and was told they do not require approval requests in the manner described, and that Truist has the ability to return the funds or otherwise resolve the matter directly. As of today, this prolonged delay has caused hardship to my household, including late rent issues, late utility bills, service interruption, reconnection costs, and financial disruption. I have already sent a formal demand letter and retained legal representation. Counsel is prepared to move forward if necessary based on the evidence currently available. Legal counsel is also prepared to obtain and review relevant records, including recorded phone calls and internal account notes, which are expected to show that I repeatedly attempted to submit evidence proving the legitimacy of the deposit and was denied the opportunity to do so. Those records may also reflect additional handling failures and departures from proper procedures during my efforts to resolve this matter. I am requesting immediate intervention requiring Truist to : 1. Release my funds immediately or properly return them without delay 2. Correct any inaccurate fraud/XXXX reporting 3. Provide a full written explanation of the account closure and fund hold 4. Compensate me for damages caused by the prolonged withholding of my funds

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 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
Requested final balance documentation and a method to pay the outstanding {$330.00} balance on a closed installment loan. On XX/XX/year> at XXXX XXXX, I spoke with a Chime support representative named XXXX XXXX I think ), who could not verify that the charge existed in their system and confirmed payment can not be accepted because the account is closed. I was then triaged to another representative who also confirmed payment is not possible and could not verify the charge. I did receive an email on approximately XX/XX/year> from Chime stating the Instant Loan from XXXX XXXX XXXX, XXXX. was 70 days past due with {$330.00} owed on account ending in XXXX. The email contained a payment link. However, clicking the payment link redirected me to a Chime account signup page, making payment impossible as my account was already closed. I can not create a new account to pay a debt on a closed account. When informed that the {$330.00} is actively reporting as a 60-day delinquency on my credit report and verified against my Social Security number , Chime stated payment is not possible and the derogatory mark will remain. Chime sent a payment notice with a broken payment link that requires an active account to use, then confirmed by phone they can not accept payment through any other method. No alternative payment method was provided. Chime is reporting an unverifiable, uncollectable debt while actively preventing repayment, causing direct harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: AR

Complaint narrative:
My cashapp got closed permanently because someone else had my account without my knowledge so therefore XXXX cant open another cashapp with my cell number. Cashapp never told me why I cant open an account which is very frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im officially submitting this complaint because my credit report shows late payments that are not accurate. These entries dont reflect my real payment history and are unfairly hurting my credit. I need these incorrect remarks investigated and removed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
I was contacted by National Recovery regarding a debt that I do not recognize and do not believe I owe. In the beginning of XXXX, I sent a written debt validation request via certified mail. I also followed up via email requesting full validation, including the original creditor, account statements, amount owed, and proof that I am legally responsible for this debt. More than 30 days have passed, and National Recovery has failed to provide proper validation of the alleged debt. Despite my dispute and requests, they have not provided sufficient documentation to verify the debt and have continued attempts to collect. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), as they are attempting to collect a debt without providing proper validation. I am requesting that they either provide full validation of the debt or cease all collection efforts and remove any related reporting associated with this account.

Company response to consumer: Closed with explanation