vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
CFPB Complaint Text to Submit Product : Credit card Company : Bank of America State : North Carolina Complaint Summary I am disputing an unauthorized credit card transaction in the amount of {$2700.00}, which posted on XX/XX/year>, while I was in XXXX. 

The charge appears on my Bank of America XXXX  credit card as : Merchant : XXXX XXXX XXXX XXXX Location shown : XXXXXXXX XXXX I did not authorize this transaction, did not sign for it, and did not provide my card to any third party.

Bank of America has denied my fraud claim twice, alleging that the transaction was card-present or that I signed or gave my card to someone. However, the bank has failed to provide any documentary evidence supporting this determination.

Specifically, Bank of America has not provided : Merchant contact information or verification Terminal identification or transaction location details XXXX ( chip ) or swipe data Any signature, receipt, or proof of authorization The merchant information provided on the statement is incomplete, and the banks repeated denial appears to rely on presumption rather than documented evidence.

I am requesting that Bank of America either : 1. Provide the documentary evidence supporting its card-present determination, or 2. Reverse the charge in accordance with fair dispute investigation and consumer protection 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 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
XXXX sold my debt to XXXX different debt collection agencies XXXX to XXXX and the XXXX to sunrise credit services

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 2026-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
Dear CFPB, CAINE & WEINER Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : XXXX XXXX XXXX XXXX  Original Credit Agreement proves the contract I signed - [ XXXX  ] Full Itemized Statement shows how the balance was calculated - XXXX XXXX ] Forward Flow Agreement proves debt was legitimately transferred to collector - XXXX XXXX  ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership XXXX XXXX XXXX XXXX Payment History Records verifies payments made or missed XXXX XXXX XXXX XXXX Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice XXXX XXXX XXXX  ] Notice of Default or Intent to Collect proof of communication as required by law XXXX XXXX XXXX XXXX  Proof of Statute of Limitations confirms the debt is still legally collectible XXXX XXXX XXXX XXXX Credit Reporting Agreement agreement allowing them to report to bureaus XXXX XXXX XXXX XXXX Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k. Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: FORD MOTOR CREDIT CO.
State: MO

Complaint narrative:
XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX. I went to test drive a XXXX XXXX. They told me financing qas denied for it but that they another suv on the same price range. 
The XXXX  was XXXX. Thru showed me a XXXX XXXX. I asked the price on jt .. salesman said XXXX. They explained they wouldn't have the paperwork available for a week or two but that I could still sign electronically. I paid them a down payment of {$4000.00}. 

I did not even know the name of my creditor. I did not get paperwork until day 42. When I received it, it listed the sale price as XXXX. 

I was given a XXXX  that was not yet updated ( i inaccurate ) To help show the positives of the vehicles. The dealership had made repairs they did not disclose. Th were recalls they did.not notify me of. They changed the sale price to XXXX. I would never have even attempted to get that vehicle at that price. In good condition It was worth only XXXX. 

I noticed some issues, had do e warni g lights on. Etc I found they did not do am inspection immediately prior to the sale. I found out about the repairs their own shop had made and did not disclose.

They hsve a 5 day buy back policy they would not honor. I was denied when I requested to speak to a mgr.

In its Entirety ... XXXX XXXX XXXX XXXX XXXX... did not do its due diligence, did not follow state rules, blatantly lied, are unethical, Their customer service is nonexistent. They made it impossible to title or register the vehicle. They gave me paperwork so late that i had already accrued late fees and fines. They dismissed all my complaints. On day 2 I had to buy/replace the faulty battery. They put me off over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
NATIONAL CREDITis falsely reporting on my credit. I have never had any accounts with them. Per my research CREDITORNAME 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
CREDIT COLLECTIONis falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTIONis a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I attempted to use a prepaid gift card with an available balance of {$67.00} to make a purchase on XXXX. The transaction did not go through, and no purchase was completed. 

After the failed attempt, I checked the balance through the cards official balance inquiry service and discovered two transactions that I did not authorize or make. 

The transactions were listed as follows : XX/XX/year> : {$56.00} charged to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> : {$10.00} charged to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These transactions appear to be in-person Square point-of-sale charges and are not related to my attempted XXXX purchase. I was not present at this merchant location, did not authorize these charges, and did not provide the card information to any third party. 

The charges occurred the same day I attempted to use the card, effectively draining the balance. I took the following actions : Verified that XXXX did not complete or receive payment for any transaction Checked the card balance through the issuers system to confirm the unauthorized charges Attempted to contact customer service to report the issue but was unable to reach a representative Based on the timing and nature of the transactions, I believe the card information was compromised prior to or shortly after purchase. I am requesting a fraud investigation, reversal of the unauthorized charges if possible, and a replacement card or refund of the affected amount.

I am submitting this complaint to document the unauthorized activity and to request assistance in resolving this matter.

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I paid approximately {$3600.00} to my mortgage servicer to fully fund and correct an escrow shortage. After this payment, my escrow account should have been current and my monthly mortgage payment should not have increased. Despite this, the servicer still raised my mortgage payment. 

Additionally, my homeowners insurance was paid twice by the servicer. I repaid the duplicate insurance payment ; however, the escrow account was still not properly corrected. 

The servicer has failed to pay my property taxes despite having funds in escrow. As a result, a tax lien has been placed on the property, and third parties have begun contacting me attempting to purchase the property due to the delinquent tax status. 

I have contacted the servicer multiple times to resolve these issues, but the errors have not been corrected. The servicers failure to properly manage my escrow account has caused financial harm, unnecessary stress, and placed my property at risk. 

I am requesting a full escrow account review, correction of all escrow errors, immediate payment of all outstanding property taxes, removal of any tax lien, reimbursement of any improper charges, correction of my monthly mortgage payment, and written confirmation that my escrow account is being handled in compliance with federal mortgage servicing laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Chase denial based on time elapsed does not demonstrate a compliant investigation Chase issued correspondence dated XX/XX/XXXX denying a disputed {$990.00} charge from XXXX XXXX XXXX ( transaction date XX/XX/XXXX ) on the basis that a significant amount of time has passed and that the merchant was not willing to credit. 

This explanation does not demonstrate that Chase conducted a transaction-level billing error investigation or complied with Regulation Z requirements. The letter does not identify when Chase received notice of the dispute, does not reference the applicable billing statement cycle, and does not explain why the dispute was accepted and investigated if it was allegedly untimely. 

A merchants refusal to issue a refund is not a substitute for a creditors obligation to investigate disputed charges. Chases response does not describe any investigation into authorization, billing accuracy, or other factors relevant to determining whether a billing error occurred.

By accepting the dispute and issuing a determination, Chase was required to conduct and document a compliant investigation. Reliance on elapsed time and merchant posture, without identifying applicable notice deadlines or investigative findings, raises concerns regarding the adequacy of Chases dispute resolution process for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I asked them to investigate why I was never billed, whether by mail or through their electronic platform. I was told they changed my mailing address without my consent. I was never given an opportunity to pay the bill from their online platform despite attempting for several months and billing cycles. My account was randomly closed and I received a letter at the same address they had supposedly sent my bills to. Now they are looking to charge me over {$500.00} in fees for a {$300.00} purchase while never giving me a chance to pay the original bill. They are threatening to send to collections for an error they admit they made.

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 2026-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint regarding an unauthorized electronic funds transfer in the amount of {$950.00} involving my Capital One account and XXXX XXXX. 

On XX/XX/XXXX, I noticed a {$950.00} XXXX XXXX transaction that I did not authorize and did not initiate. I immediately contacted Capital One to report the transaction. I was initially told the transaction was pending and could not yet be disputed. 

Once the transaction posted, I contacted Capital One again and formally filed a claim, clearly stating that I did not authorize or participate in this transaction. I also reported the transaction to XXXX XXXX as fraud. 

Despite reporting promptly and consistently stating that this was unauthorized, Capital One denied my claim, stating that I authorized or participated in the transaction. This is incorrect. My account appears to have been compromised. 

Capital One has now reopened the claim but has stated that there is no investigation timeline and that they will not provide provisional credit, which has caused significant financial hardship, as I need these funds to pay essential bills. 

I am requesting that Capital One properly review this matter as an unauthorized electronic funds transfer under Regulation E, provide a clear investigation timeline, and issue provisional credit while the investigation is ongoing. 

I am seeking correction of the inaccurate determination and return of my {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: AL

Complaint narrative:
I received a refund from XXXX XXXX XXXX XXXX XXXX  in the amount of {$160.00} I think the money with withdrawal cash out from my Cashapp account to a XXXX account that was supposed to have been XXXX XXXX XX/XX/year> anyway XXXX agreed XXXX send the money back. That card number was in in XXXX of that XXXX account. They provided the transaction ID reference number for me to get the Cashapp showing it was successful, but it never entered my account at Cashapp. Cashapp keeps saying that the ramp the transaction was successful because they were talking about when I sent the money to XXXX. They can not understand. It was the XXXX refund cash out to XXXX. The money shouldve came back after that and XXXX I even XXXX a diagram for this transaction. Documents were provided information was provided. They sent me to cash XXXX XXXX sent me back to Cashapp for month. Its been 90 days and I have requested a reversal of phone a traced. I have requested any in all documentation that I can think of and Ive contacted XXXX and its {$150.00} that was for my XXXX copayment treatment and I need that money back and Im not gon na stop this until someone locate my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
Friday, XX/XX/XXXX CFPB Complaint Letter Unauthorized Credit Protection Benefit Consumer : XXXX XXXX Account : XXXX Credit Card XXXX in XXXX Company : Concora Credit XXXX XXXX XXXXXXXX XXXX XXXXXXXX To the Consumer Financial Protection Bureau : I am submitting this complaint to report that the XXXX XXXX XXXX XXXXXXXX, acting on behalf of Concora Credit, initiated and activated a XXXX XXXX XXXX on my Milestone account ending in XXXX without my request, authorization, or consent. 

Summary of the Issue On XX/XX/XXXX, I discovered that a XXXX XXXX XXXX had been added to my account. After multiple calls with the XXXX XXXX XXXX XXXX, I was informed that : The benefit was initiated on XX/XX/XXXX. 
An analyst named XXXX activated the benefit as a courtesy. 
There is no recording, no signed consent, and no digital confirmation showing that I authorized this benefit. 
XXXX benefit payments were applied to my account without my knowledge or approval. Post the initiation of the benefit I received mailed correspondence that the company was pleased to let me know that they have approved my request for XXXX XXXX involuntary unemployment benefits. 
At no point did I request, approve, or consent to this benefit. 
Attempts to Resolve -I contacted the Credit Protection Plan XXXX on the following dates : XX/XX/XXXX ( XXXX XXXX : Requested proof of authorization ; none provided. 
XX/XX/XXXX ( XXXX ) : Followup; told a supervisor would call me back. 
XX/XX/XXXX ( XXXX XXXX ) : Confirmed no documentation exists showing I requested the benefit. 
XX/XX/XXXX ( XXXX, XXXX XXXX ) : Stated the benefit was added as a courtesy because I have other credit accounts with the same retailer. 

This explanation is unacceptable. Each credit account requires its own explicit authorization. 

Federal Law Violations The companys actions appear to violate multiple federal consumerprotection laws : DoddFrank Act ( UDAAP ) Truth in Lending Act ( TILA ) / Regulation Z : Fair Credit Billing Act ( FCBA ) : Requested CFPB Action I am requesting the CFPBs assistance to ensure the following : A written explanation from the company detailing how this unauthorized activation occurred and what corrective measures will be implemented. 

Why I Need CFPB Intervention Despite multiple attempts to resolve this directly, the company has not provided any evidence of my authorization and has admitted the benefit was added without my request. This is a clear violation of federal consumerprotection laws, and I am seeking regulatory intervention to correct this illegal action as I feel my identity has been stolen during a very unstable time as I focus on securing employment. 

Please provide a written response within XXXX business days of receipt of this letter. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Cell : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXXI received a call from a company calling themselves XXXX XXXXt who said there was papers to be served and wanted to know if I would be home.  They gave me another number to call which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  research shows they have used this number and name to scam people.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRISis a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 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: U.S. BANCORP
State: GA

Complaint narrative:
I am disputing an unauthorized credit card transaction in the amount of {$880.00} that occurred in XXXX, XXXX on XX/XX/year>. 

I was in a taxi when a secondary individual entered the vehicle and presented a payment device entirely in XXXX, which I do not read or understand. I was not able to review or understand the merchant name, transaction amount, or confirmation screen before the transaction was processed. 

During the same interaction, my XXXX XXXX card was declined and a real-time fraud alert was issued, which immediately alerted me that the situation was fraudulent. Upon receiving that alert, I immediately froze my cards and reported the transaction to U.S. Bank. 

U.S. Bank denied my fraud claim solely on the basis that I physically handed over a chip-enabled card, without addressing the lack of informed consent, language barrier, deceptive circumstances, or the contemporaneous fraud determination by another issuer. 

U.S. Bank did not provide transaction-level validation or evidence of informed authorization, such as merchant documentation, cardholder verification prompts, or proof that the amount and merchant identity were knowingly approved, as required under the Fair Credit Billing Act.

The charge was re-posted to my account and I am being required to pay it despite timely reporting, immediate card freeze, and clear indicators of deception and unauthorized use.

I am requesting that U.S. Bank reverse the charge and comply with its obligations under the Fair Credit Billing Act by properly recognizing this transaction as unauthorized.

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