vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
This complaint concerns a Buy Now, Pay Later ( BNPL ) account with Afterpay, which I am filing under the Credit card category for CFPB routing purposes. 

On XX/XX/XXXX, an unauthorized Afterpay purchase was made at XXXX XXXX using my Afterpay account and linked payment card without my authorization. At the time of the transaction, my ex-boyfriend had possession of my phone while I was being XXXX XXXX XXXX XXXX, and he used my device and Afterpay account without my consent.

I contacted Afterpay support immediately upon discovering the transaction and fully cooperated with their investigation. Although I was not responsible for the purchase, I paid the order in full in good faith while Afterpay reviewed the fraud claim. Afterpay advised me that I was in the clear and allowed me to continue using my account, which I did with a continued positive payment history. 

In XX/XX/XXXX, Afterpay unexpectedly froze my account pending additional review, despite no new information being requested or identified at that time. During the investigation : XXXX XXXX confirmed that I was not the individual who picked up the order and that the person who retrieved the merchandise was not related to me My bank conducted its own fraud investigation and ruled the transaction as fraud I submitted police reports, fraud affidavits, and supporting documentation multiple times over the course of more than one year Despite this substantial and corroborated evidence, Afterpay kept my account frozen for over a year and ultimately notified me in XX/XX/XXXX that they had decided to deny my fraud claim and permanently cease doing business with me, holding me financially responsible for a transaction they previously indicated was resolved. 

This decision is unfair, inconsistent, and unreasonable, particularly given that : I reported the fraud promptly I cooperated fully and provided extensive documentation A third-party merchant ( XXXX XXXX ) and my bank both confirmed the transaction was fraudulent I maintained an otherwise excellent payment history with Afterpay Afterpay initially allowed continued account use, indicating no adverse determination at that time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am filing a complaint against ChexSystems XXXX Inc. for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( FCRA 605B ). ChexSystems is reporting deposit-account information that is the result of identity theft, fraud, and/or inaccurate reporting. I provided notice of identity theft and supporting documentation and demanded a mandatory block and permanent deletion. Under 15 U.S.C. 1681c-2 ( a ), ChexSystems must block identity-theft information within four ( 4 ) business days.

ChexSystems has failed to properly block/ delete the disputed items and continues reporting them, causing ongoing harm and denial of banking services. This also implicates accuracy and reinvestigation duties under 15 U.S.C. 1681e ( b ) and 1681i. 
Disputed banks/items : XXXX XXXX XXXX XXXX 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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Dispute packet was received from TD Bank regarding accounts ending in XXXX, XXXX. Packet was returned with information pertaining to overdrawn balances on each account. It appears the packet pertaines to accounts fraudulently opened, in which case, accounts were not opened fraudulently .. However, debit card purchases including XXXX made on or around XX/XX/XXXX on account ending in XXXX, are fraudulent in nature as the transaction is a bait and switch scam, a 3 bedroom hotel room was advertised which was sold out, switched with a one bedroom suite and I was never told by any XXXX rep of switch. A hotel rep, XXXX XXXX XXXX, advised of switch when I called on XX/XX/XXXX. The hotel portion of transaction was disputed with TD Bank, a provisional credit issued in amount of {$2.00}, XXXX. The credit was later reversed, TD Bank sided with merchant despite proof of bait and switch scam, which I provided via emails from hotel reps, faxed copies sent from XXXX, CT branch. Please note, bait and switch scams are illegal in Connecticut. With regard to packet mentioned earlier, I have not received reply back as of yet in re. Concerning account ending in XXXX, this account reflects a debit card dispute from a XXXX dealership in amount of {$1800.00}, TD Bank also sided with merchant, reversed provisional credit. This account was also disputed, information included in packet. As stated earlier, packet appears to be used for fraudulently opened accounts, in which case, it does not appear these accounts/ balances will be resolved. A payment arrangement was set up regarding account ending in XXXX, however, I have not been refunded by XXXX to date, in which case, no payments will be made. If TD Bank wishes to resolve matter including account ending in XXXX, I would suggest accepting the garnishment amount of {$710.00}, which was deducted on XX/XX/XXXX from account ending in XXXX. It appears their dispute dept does not fully or adequately investigate disputed transactions as both transactions, XXXX and XXXX of XXXX, were disputed as non receipt of goods/services/fraudulent in nature. I have not been shown proof of receipt of goods or services from either merchant, XXXX or XXXX of XXXX. 
Failing to accept garnishment amount, no payments will be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.

Complaint narrative:
I recently requested a complete transaction history of my deleted account, which I received. On the transaction history it says there is still a balance of XXXX XXXX, which is wrong. There is no XXXX left on that account. Before I tried to delete the account, I tried transfering the XXXX out, which proved to be impossible because it doesn't exist. Support confirmed to me multiple times it doesn't exist. Yet it still appears on my balance, creating tax implications for me. If that false balance number is sent to my tax office, they will launch an investigation into money I do not have or does not exist. 

When I look further into the history, it appears I already transferred the exact same amount out of the exchange on XXXX XXXX XXXX. That must be the XXXX that is still falsely on my balance. It must be a software/system error. 

Case number currently associated with this problem is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: IL

Complaint narrative:
I was refunded now after purchasing something I dont even view the purchase or anything odd and I saw it was charged twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Colony Ridge Inc.
State: TX

Complaint narrative:
I have a seller-financed land contract ( contract for deed ) with Colony Ridge Land , LLC that began in 2024. I have been making my monthly payments as agreed ; however, my payments are not being properly applied to principal. Most of the money I have paid has gone toward interest, late fees, and other charges, while the principal balance has barely decreased. 

My interest rate is extremely high, and my balance continues to remain inflated despite consistent payments. This indicates potentially unfair, deceptive, and abusive lending practices. I believe this contract violates federal consumer protection and mortgage servicing laws, including UDAAP standards. 

I am requesting a full audit and recalculation of my account, removal of unlawful fees and interest, proper application of all payments to principal, correction of my contract to comply with federal mortgage laws, and written confirmation of my corrected balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: Klarna AB
State: VA

Complaint narrative:
On XX/XX/year>, I was supposed to receive a refund for unused attorney services in the total amount of {$1400.00} USD from XXXX XXXX XXXX XXXX XXXX, related to my Klarna purchase. 

After reviewing my Klarna account, I noticed that I did not receive the full refund amount. I only received {$100.00} USD, and the remaining balance was never deposited into my account. 

On XX/XX/year>, I contacted XXXX XXXX & XXXX XXXX to inform them that I had not received the full refund and to request clarification. The merchant confirmed that the refund had been processed correctly and in full through Klarna. 

On XX/XX/year>, Klarna contacted me regarding order statement number XXXX, associated with XXXX XXXX XXXX XXXX XXXX XXXX requesting documentation such as the original order confirmation, proof of communication with the merchant, and clarification regarding the incorrect invoice. I provided all requested documentation in a timely manner. 

Despite providing all required evidence, Klarna later marked the case as resolved in their system ; however, I still did not receive the refund. 

Because the issue remained unresolved, I opened another investigation with Klarna on XX/XX/year>. 

On XX/XX/year>, Klarna informed me that the refund for order XXXX was allegedly issued to a different order, XXXX, associated with XXXX due to the refund being applied to a different virtual card within my virtual wallet. 

I want to clearly state that I NEVER authorized : The refund to be applied to a different virtual card The refund to be redirected to another merchant The refund to be applied to a XXXX order Any use of my refund other than returning it directly to me Klarna did not notify me in advance, did not request my consent, and did not provide me with an option to reject or approve this action. 

As of today, the refund of {$1400.00} USD related to XXXX XXXX & XXXX XXXX has not been received by me, and Klarna has failed to return the funds or provide verifiable proof that I received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I am disputing this XXXX XXXX reported by midland credit. The balance and ownership of this account of debt is inaccurate. Please provide verification. Or remove this from my account as it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a follow up to 2 prior complaints that still have not been fully resolved by the bank. We have made progress but they have not yet retuned the funds. 

As stated in the 2 prior complaints XXXX and XXXX, BMO Harris Bank accepted funds into a fraudulently opened account. This funds were payable to XXXX XXXX but that was not the name of the account that received the funds. Upon the filing of a police report and the subpoenas obtained by law enforcement, they were able to determine the name on the account that BMO Harris Bank deposited my company funds in to do not match the Payee of our electronic transfer.

BMO Harris Bank requested 2 Indemnification Agreements from my bank XXXX XXXX XXXXXXXX XXXX which were executed on XX/XX/year> but no further communication was received and no funds were transferred to my account. 

We are asking for the funds to be returned.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My venmo account was restricted without clear explanation. I have contacted Venmo support multiple times and submitted the requested information. but my issue has not been resolved and i have not been given clear instructions to regain my access to my account to my funds. As a result I have not been able to use my account for a month and a half i have been unable to use my account for essential payments including rent coming up. I have not received any clear restore access just due to the holidays you will have to wait, but its been over a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
GM Financial is reporting my auto loan as charged off. However, the vehicle securing this loan has not been repossessed, recovered, or sold. 

Despite this, GM Financial continues to report the account as charged off without explaining how the balance is accurate while the collateral remains unrecovered. 

I disputed this account with the credit bureaus, but GM Financial has failed to provide documentation or clarification regarding the status of the vehicle or the basis for the charge-off. 

This reporting is incomplete and misleading under the Fair Credit Reporting Act. I am requesting that GM Financial correct or delete this account if it can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following accounts, which are the result of fraud and identity theft : XXXX XXXX XXXX XXXXXXXX XXXX I have no knowledge of these accounts, I did not apply for them, and I did not authorize these companies to use my name, Social Security number, or personal information. These accounts were opened without my consent and are being reported monthly in error, causing serious harm to my credit profile. 

I am requesting the immediate removal of these fraudulent accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please conduct a full investigation and provide written confirmation once these accounts have been deleted. 

If necessary, I am prepared to provide supporting documentation, including an Identity Theft Report and FTC affidavit, to resolve this matter promptly. 

Thank you for your immediate attention to 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 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: MD

Complaint narrative:
The company XXXX attempting to collect a debt that is not under my social or under my personal identity would like it removed from all credit bureaus

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: Block, Inc.
State: MD

Complaint narrative:
I received {$81.00} on XXXX XXXX and yesterday cash app took it from me off of my locked card, I can't give you the information ( they cash app handle at this moment because I would have to go back into this app to do so then I can not compete this ). I just want my money back because it's my money now theirs!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have a XXXX XXXX XXXX  distribution of payment from account data breach with a Tax lien from XXXX XXXX Bank and XXXX. My account was sent to the IRS with XXXX XXXX XXXX XXXX  specialist from bankruptcy trustee. I have a insurance policy fraud with my company for cyber liability claim and distribution payment from the settlement administrator. My account was on hold with the bankruptcy distribution payment. I have a insurance policy fraud with XXXX XXXX digital footprint scan. My insurance ID restoration was stolen with inaccessible log in from the bank. I have a cyber liability claim to pay arbitration for bankruptcy and IRS fraud claim with my employment information.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am formally disputing this account as fraudulent and not belonging to me. 

The account was opened without my knowledge or authorization and is the result of identity theft. I have never entered into any agreement with this creditor. 

The original creditor, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has confirmed that they no longer own the account and failed to provide proper validation. The account was sold to XXXX XXXX XXXX without proof of liability. 

Enclosed is my FTC Identity Theft Report and affidavit. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 / 605B ), I am requesting an immediate block and removal of this fraudulent account from my credit file.

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 2025-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I placed an order with XXXX on XX/XX/XXXX to be paid in installments through Bread Pay. There was an ongoing issue with the shipment of the merchandise so XXXX cancelled my order on XX/XX/XXXX. I have called and emailed Bread Pay numerous times requesting to cancel my pending loan with them and sent them proof of cancellation from XXXX. Bread Pay refuses to cancel my loan until XXXX refunds order and I have proof from XXXX staying it was refunded in XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: IL

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter is not an acknowledgment of liability, but a request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following documentation to verify this debt : XXXX. The amount of the alleged debt, including an itemized breakdown XXXX. The name and address of the original creditor XXXX. A copy of the original contract or agreement bearing my signature XXXX. Proof that you are licensed and authorized to collect this debt in my state XXXX. Proof that the debt is legally enforceable and within the statute of limitations Until you provide the requested validation, you must cease all collection activity, including reporting or continuing to report this account to any credit reporting agency. 

If this debt has been reported to a credit bureau and you can not validate it, I request that it be removed immediately. 

Please respond in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
They closed my Cash App for no reason this is my only one I has and my daughters cashapp go thru my card she got suspend bc they disabled my cash card this is only I had but other cashapp must be scam it wasnt even me bc this one I only have is since XXXX  my email XXXX and phone number XXXX thats they got mine messed up they need resolve my cashapp thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NY

Complaint narrative:
I get paid {$410.00} every week last week my XXXX  went up to XXXX now this week once again it lowered to XXXX and they have taking my money again this is like the 5th-6th time they have done this and everytime they say its computer now they saying my XXXX  raised bc I got paid one day early and thats why it went back down the next week wen yu got paid again the regular day this is fraud they literally meds raising me and lowering me the next week and keeping my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I purchased a phone and paid my down payment at the store. I had the phone in my possession from the time I walked out of the store until later that night. XXXX. The next morning, I reported the phone as stolen. The company immediately shut off the device and disconnected service. Despite this, I am being charged for the first and second month of service. The debt is being reported under medical collections, which is incorrect and misleading. I have contacted the company to dispute these charges, but the issue remains unresolved.I have been repeatedly harassed by multiple phone calls from different numbers regarding this account. When I answer or return the calls, they often drop or do not connect. My account was initially coded as a medical collection, but it was later changed to non-medical without explanation, causing confusion and unfair treatment. I reported the issue promptly, have documentation showing the medical nature of the account, and believe these actions are misleading and constitute unfair debt collection practices.

Company response to consumer: Closed with non-monetary relief