vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied for an American Express credit card during a promotional period where a XXXX welcome bonus was advertised. I met the required spending threshold within the specified timeframe. However, only XXXX points were awarded to my account. I contacted customer service XXXX and was told that my account was only eligible for XXXX points, despite the promotional offer available at the time I applied. I believe this is a case of misleading or inconsistent promotional terms. I am requesting that the full XXXX welcome offer be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I want XXXX to correct or remove the inaccurate reporting. They told me directly that I owe {$0.00}, I paid my rent when I moved out, and I did not reside at the property during the dates they reported. This company is super unprofessional XXXX of the reasons I had to leave the office manager is always XXXX, she comes and goes whenever she pleases and it took me XXXX weeks of stopping at the office every day to finally return the key. I'm hoping that's not the reason for this debt because it's not on me it's on the company. I left XXXX XXXX XXXX XX/XX/XXXX, no later. If they can not verify the balance, dates, and my responsibility with proper documentation, the account should be corrected or deleted.

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 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Following my initial complaint about Wells Fargo, and not being able to enroll in online banking, I had eventually noticed that after finally being able to sign up for online banking, I couldn't see any reference to my rewards points, or sign on bonus. After attempting to log into the wells fargo rewards website online, it said the website was down at the moment. I tried this for multiple days until I realized this was obviously an issue with my account. I reported this issue to Wells Fargo at the begining of XXXX. After a week, I followed up via phone call as I had not received an acknowledgment of the issue, or any update. I was told they are still investigating. I requested a callback from a supervisor and was told they would do so within XXXX hours. I have not received a call back. I called Wells Fargo again and requested a supervisor and was promised the same thing. After the XXXX round, I did not receive a call back. This incident occured XXXX more time. It has now been XXXX weeks and my sign up bonus is still invisible along with my rewards account, both core features of a credit card. I need an immediate response and fix from Wells Fargo

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 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am filing a complaint against Westlake Financial Services regarding a repossession account that I believe is inaccurate and/or improperly handled. I have requested validation of this account, including documentation of the repossession, full payment history, notices sent, and details of the sale of the vehicle. However, I have not received adequate verification. I am concerned that the balance being reported is incorrect and may include improper fees or calculations. Additionally, I am requesting proof that all required notices were provided in compliance with applicable laws. This account is currently being reported on my credit and is negatively impacting me. I am requesting a full investigation, proper validation of the debt, and correction or removal of any inaccurate information being reported. I expect this matter to be handled in accordance with the Fair Credit Reporting Act ( FCRA ) and all applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
A travel agency took my {$370.00} in XX/XX/year> for an e-ticket that i did not receive. Therefore i never got the service for my travel in XXXX. I contacted Truist Bank in XXXX after i tried to get back my money from the travel agency because i found out they were fraud. I explained everything to the bank and I shared with them that i would be travelling for almost XXXX months for my daughters wedding. Hence the reason i had bought my ticket back in XXXX. I have submitted all that Truist has asked me for but they have denied my claim concluding that it is a merchants dispute. I had another claim in 2025 for {$69.00}. The bank told me to return the item because this is what the merchant requested and i woud receive my refund. I never did. I then explained to the bank what had happened and was told to send my receipt to the bank and they would refund me. They then came back after i paid almost {$40.00} in shipping and denied my claim stating that it is a merchants dispute. I am so frustrated with this bank and their customer service and lies. I need my money but do not know what else to do. Thank you.

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
I have applied for an Ally checking account numerous times and each time I applied for an Ally checking account, my application was denied, even though, I have never had any previous accounts with Ally Bank. I dont why or understand why I can not open up a checking account with Ally Bank XXXX even though I have never had any previous accounts with Ally Bank XXXX Ally Bank is certainly violating the XXXX Credit Opportunity Act ( ECOA ) under 15 U.S.C. 1691 under federal law. Full Name : XXXX XXXX XXXX, XXXX : XXXX/XXXX/XXXX, 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 2026-03-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am disputing a charge of {$650.00} from BUDGET RENT A CAR ( Case ID # XXXX ), which Citibank has XXXX to correct despite clear evidence of Merchant 's billing or clerical error. On XX/XX/XXXX, a XXXX agent ( XXXX ) created duplicate rental agreements ( # XXXX and # XXXX ) for the same vehicle ( Plate : XXXX, Vehicle No : XXXX, Vehicle : XXXX XXXX XXXX XXXX ). XXXX 's own system closed the agreement with # XXXX on XX/XX/XXXX at XXXX PM, acknowledging the vehicle was returned and generated receipt for {$120.00} and charged my card ( Please refer to attachment " XXXX '' ). However, XXXX erroneously kept the second agreement ( # XXXX ) open until XX/XX/XXXX, charging me {$650.00} for a 'late return ' with receipt showing return time of XX/XX/XXXX XXXX pm. ( Please refer to attachment " XXXX '' ) Despite providing these details, Citibank denied my dispute, stating they found no evidence the charge was 'paid for by other means ' ( Please refer to " XXXX '' ). This is a failure to investigate the actual issue - " Duplicate Billing ''. Furthermore, I have photo of vehicle dashboard showing the mileage and fuel status ( please refer to " XXXX '' ), and a physical return slip where the agent, XXXX, hand-wrote Agreement # XXXX at checkout, and I personally documented the return date & time as XX/XX/XXXX XXXX PM on that same slip when I dropped the car off on XX/XX/XXXX ( Please refer to " XXXX '' ). Citibank is ignoring the physical impossibility of a merchant charging for a 'late return ' on a vehicle their own records show was returned days earlier.

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 2026-03-23 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: Credit Karma, LLC
State: FL

Complaint narrative:
I repeatedly receive outstanding approval odds for credit cards through Credit Karma, but I am consistently denied after applying.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NC

Complaint narrative:
Cash App has closed my account for some reason. On XX/XX/XXXX, they said it was permanently XXXX due to a violation of the terms of agreement. Not sure what exactly happened, what rule was broken. Im trying to let them know that I dont use the State Employees Account that was originally up there and trying to put the rest of my funds on my other card I use. But since my account is closed it wont let me do that. Its {$500.00} in that account and its really frustrating me that no one on their end is helping me or contacting me. I have to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: GA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute and request corrective action regarding serious and adverse credit report entries that I believe are directly connected to the recent data breach involving XXXX XXXX XXXX, disclosed in XX/XX/year>. As reported, the breach involved unauthorized access via a third-party software platform, exposing personal data such as Social Security numbers , dates of birth, drivers license numbers, and other sensitive identifiers. I was among the impacted individuals and have received confirmation of my involvement from XXXX. Since the breach, I have experienced financial and reputational harm, including the sudden appearance ( or continued reporting ) of charge offs accounts and other questionable derogatory accounts on my credit report, which I now suspect may be inaccurate or triggered by identity compromise. I am respectfully requesting the CFPBs support and intervention in the following actions : Investigating how XXXX handling of consumer data may have led to the inaccurate reporting of credit accounts and bankruptcies. Assisting in the removal or correction of erroneous information on my credit report, specifically the bankruptcy and associated affected accounts. Ensuring XXXX and affiliated credit reporting agencies conduct a thorough reassessment of impacted individuals reports. Ive taken personal steps including placing a security freeze on my credit, enrolling in identity protection services, and contacting credit bureaus directly but the process has proven difficult without regulatory oversight. These issues continue to harm my financial standing, job prospects, and access to credit. Please find enclosed documentation supporting my claim, including breach notification, copies of my credit report, and correspondence with XXXX and the bureaus. I appreciate your time and effort in addressing this urgent matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I initiated a transfer from my BMO account to my XXXX account on XX/XX/XXXX for {$1000.00}. This was done via the BMO App. I subsequently stopped that transfer as I no longer needed those funds in my XXXX account. The funds were debited from my XXXX account on XX/XX/XXXX. The funds debited were not authorized as I stopped the transfer. To make matters worse, the funds never arrived to my XXXX account. On XXXX I was told I would receive the credit in XXXX days from the digital Banking team. then When they did not arrive and I reached out again, I was then provided and ACH trace number from a XXXX at BMO. I called XXXX and they had no record of that number. I then went to a local bank at XXXX XXXX XXXX XXXX in XXXX XXXX, ca where the bank manager had access to my phone and verified that finds were not in either account. They then submitted a claim on my behalf that subsequently was denied. Most recently a person named XXXX from the XXXX XXXX XXXX XXXX said the money was transferred to my XXXX account on XX/XX/XXXX. I sent them a screenshot of my XXXX account for the period before, during, and after XX/XX/XXXX showing that funds never arrived. I have received conflicting information along the way and funds have not been returned to date.

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
Consumer complaint received 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding Sezzle and their lack of response and unwillingness to work with me to resolve my account. I currently have an outstanding balance and have made multiple attempts over the past several weeks to resolve it. I specifically requested that Sezzle review my account for a waiver or reduction of late fees so that I could pay the remaining balance in full immediately. Each time I contacted customer support, I was told that my request would be escalated to a manager and that I would receive a follow-up. However, despite waiting several weeks, I have not received any communication, updates, or resolution. I have had a strong history of making my payments on time prior to this issue. Unfortunately, I experienced a medical situation that resulted in hospitalization, which impacted my ability to make payments during that time. I made efforts to communicate with Sezzle and requested assistance or flexibility due to these circumstances, but they have not worked with me and have continued to report negative information on my credit. Additionally, I have requested consideration for removal or adjustment, but they have refused to assist. I am actively trying to take responsibility for my account and resolve my balance, but I have been unable to do so due to the lack of response and cooperation from Sezzle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
I am filing this complaint against Wise for failing to properly investigate a dispute regarding transactions with the merchant XX/XX/XXXX ( Transaction IDs : XXXX, XXXX, XXXX ). ( Amounts : XXXX {$110.00} ( XXXX ) XXXX {$110.00} ( XXXX ) XX/XX/XXXXXXXX ( XXXX ) ) I paid for a trading evaluation service with the expectation of receiving a payout upon successful completion. After meeting all requirements, the merchant terminated my account based on an automated "XX/XX/XXXX '' error. I explicitly offered to perform a live video identity verification to prove I am the authorized user, XXXX XXXX, but the merchant refused. Wise has declined to process a chargeback for " Services Not Rendered, '' claiming they " don't have chargeback rights. '' They are accepting the merchant 's unproven allegation of " payment misuse '' while ignoring my documented evidence and my willingness to verify my identity. Wise is failing to fulfill its obligations under Regulation XXXX by refusing to conduct a reasonable investigation into a clear case of merchant bad faith. sidenote : Evidence of Systemic Issues and Pattern of Conduct I am including this side note to provide context on the merchants business practices, which have been widely documented by the trading community on platforms like XXXX ( XXXX, XX/XX/XXXX ) and XX/XX/XXXX A significant number of traders report a " bait and switch '' pattern that mirrors my own : The " Profits Trigger '' : Many users report that their accounts remain in good standing while they are paying for monthly " Combines '' ( evaluations ). However, the moment they reach profitability or request their first payout, XXXX abruptly closes the account citing " XX/XX/XXXXinconsistencies '' or " payment misuse. '' Automated XXXX Failures : Public discussions ( e.g., XXXX thread : XXXX denied my payment and closed my accounts unfairly ) highlight that XXXX uses an automated third-party verification system that often flags users for minor, non-violating actions ( like having a family member hold the phone for a selfie ). XXXX then refuses to allow human-led video verification to resolve these errors. Payment Misuse as a Catch-all : Traders have documented XXXX accepting payments for months from a specific card, only to retroactively label that same card as " misuse '' once a payout is requested. This pattern suggests that XXXX is not closing accounts for genuine security risks, but rather as a bad-faith tactic to avoid paying out successful traders. My case is a textbook example of this documented behavior. XX/XX/XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Since XX/XX/XXXX, American Express has been charging me a lot of money as a minimum payment due, over XXXX XXXX monthly. When I called them on XX/XX/XXXX, I was told my current interest rate is 28.49 %. I asked why is so high if I have excellent payment history & excellent XXXX score. The Customer Service Rep ( her name was XXXX XXXX put me on hold and then came back saying I did not qualify for a lower interest rate. She was uncooperative. I stopped using the card since then and have been making payments of over XXXX XXXX monthly, which is out of my budget and is causing me problems. Yet, my current balance doesn't go down and they continue abusing of me with a high monthly payment. THIS IS NOT FAIR! Please help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: CA

Complaint narrative:
On XX/XX/year>, I discovered via online banking that my Bank of America credit card ( ending in XXXX ) had been fraudulently used by a XXXX XXXX XXXX XXXX account ( ending in XXXX ) to execute a balance transfer totaling {$23000.00}. I immediately contacted the credit card services department to file a dispute regarding this transaction. Subsequently, the Bank of America XXXX XXXX Department accepted the case, cancelled the credit card ending in XXXX, and issued a new card ending in XXXX. However, before the new card could be delivered to me by mailand while it was still in transitI discovered on XX/XX/year>, that this new card ( ending in XXXX ) had once again been subjected to a fraudulent balance transfer of {$8000.00} by a XXXX account ending in XXXX. Upon discovering this second incident immediately, I promptly contacted the credit card XXXX department, and the transaction was successfully halted. While I was still awaiting the resolution of the previous fraud claim, I received investigative emails from Bank of America on XX/XX/year>, and XX/XX/year>. These emails suggest that the suspicious transfers XXXX have originated from overdrafts to your linked deposit account ( as part of your XXXX XXXX overdraft protection service ) or was a balance transfer that went directly into an account in your name. ; however, they failed to attach any copies of investigative records to substantiate these claims. I strongly dispute these investigative findings ; in fact, I have never configured or executed any such settings or transactions as described above. This letter serves as a formal declaration stating that I am a victim of credit card theft. I hereby dispute the debt appearing on my account, as I have never authorized anyone to use my name or personal information to open this account, nor have I authorized the incurrence of this debt in such a manner. I authorized neither the execution of any purchases nor the opening of this account, nor have I derived any benefit, funds, products, or services from this debt. I do not know the identity of the individual who utilized my personal information to fraudulently access and use my credit card. I am a victim of identity theft ; to the best of my knowledge, all information provided herein is true, accurate, and complete.

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 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Its been multiple times Im trying to get approval from Chase bank credit card but getting denied, Im also requesting reconsideration on the phone they accept it but simply dont want to speak with me. Last time I requested reconsideration on the recorded line they said we have to call you and again no phone call, I didnt brake XX/XX/year> rule I have 3 credit accounts 3 % utilization and excellent credit. They denying me. I will also provide todays credit report from XXXX which they usually pull from and everyone who can see this must know what kind of bank they are.

Company response to consumer: Closed with explanation