vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX has fraudulently been charging my debit card for all of XXXX and I have proof from an agent at XXXX who confirmed this. I have many screenshots of our conversation. Chase denied my fraud claim solely due to timing, despite the charges being unauthorized recurring transactions that I did not knowingly approve or benefit from. Regulation E allows consumers to dispute unauthorized electronic fund transfers once they become aware of them. These charges were not authorized, and the timing of discovery is the issue not the transaction date. I am requesting this be escalated and documented. I bank with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/year>, my XXXX was stolen in So XXXX, XXXX ( So XXXX Police Report Ref. XXXX ). As a result, the thieves gained control of my SMS-based two-factor authentication ( 2FA ), which Bank of America relies on for high-risk actions such as wires and XXXX transfers. 

Between XX/XX/year>, Bank of Americas system recorded four failed transfer attempts to a brand-new payee ( XXXX XXXX XXXX XXXX XXXX including an attempted {$50000.00} transfer. All four attempts were declined. Despite these clear red flags ( new payee, large dollar amounts, repeated failures, overseas activity ), the account was not frozen or escalated for manual review. 

On XXXX XXXX XXXX after the phone theft, unauthorized wire and XXXX transfers totaling {$37000.00} USD were successfully processed from my checking account to new payees. I did not authorize any of these transactions. I did not have access to my phone, did not log into Bank of America during this period, and my physical card was not with me ( card was in the United States ) or stored in any digital wallet.

I reported this immediately upon discovery to the XXXX XXXX with the following incident report ( Case # XXXX ) taken down by Sergeant XXXX on XX/XX/year> and the FBI IC3 with Submission ID XXXX The fraud occurred due to Bank of Americas failure to stop transactions after multiple failed attempts and reliance on compromised SMS-based 2FA without additional safeguards.

I am disputing these as unauthorized transactions under Regulation E and the Uniform Commercial Code ( UCC ) 3-417. Bank of Americas failure to implement adequate velocity controls and its reliance on compromised SMS-2FA constitutes a failure of their security process as outlined in their own Deposit Account Agreement Additionally on XX/XX/XXXX to XXXXXXXX XXXX the thieves were able to successfully clear unauthorized transfers totaling {$22.00} XXXX from my XXXX savings account, XXXXXXXX XXXX XXXX XXXXXXXX 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 monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This bank has been closed my account long long time ago around XXXX months or more without any reasons or almost no explanation, I have really much time waiting for my respective refund check to myy address on file and this is just not happened, never received anything and at this time is looks like a scam situation from this big company because is really too late and nothing has been received so I have read many rules and terms about this bank and understand your rights about closing an account at any time but nothing about take funds from customers lie me, so my concern is just enter on mediation and request the release of my funds on the respective refund check to my address on file with an expedite shipment and if is possible interest on that because is a shame this long time waiting for that, so i will wait for solution and cooperation please...

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 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Synchrony Banks handling of my XXXX XXXX XXXX Card account. 

Synchrony closed my account while it was in good standing and not delinquent. The only unusual activity was an overpayment that resulted in a temporary credit balance. I did not receive advance notice that my account was at risk of closure, nor was I given a clear explanation at the time of closure. 

Following the account closure, Synchrony forfeited all accumulated rewards points without notice or an opportunity to redeem them. These rewards were earned through normal card use and were removed solely due to the account closure. 

I believe this outcome is unfair and misleading because : - The account was not delinquent and involved no misuse or fraud ; - I was not provided reasonable notice or an opportunity to redeem earned rewards ; - The forfeiture was disproportionate to the circumstances and not clearly disclosed at the time the rewards were earned. 

I respectfully request the CFPBs assistance in reviewing this matter for fairness and transparency under applicable consumer protection standards. 

I currently have and as far back as I can remember, have had Exceptional credit with a flawless history of repayment, etc. See attached credit report as of XX/XX/year>.

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 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am submitting this personal statement to formally declare that I am a victim of identity theft. I did not apply for, authorize, consent to, or benefit from the Ally Financial auto loan account that is currently appearing on my credit report. 

The Ally Financial auto loan account was opened without my knowledge or permission as a result of fraudulent use of my personal identifying information. I have never signed any application, contract, or loan documents with Ally Financial for this account, nor have I ever taken possession of, made payments on, or used any vehicle associated with this alleged loan. 

This account is not mine, and I deny all responsibility for any charges, balances, or obligations related to it. The presence of this fraudulent account on my credit report is causing ongoing financial and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am submitting this complaint to formally dispute an account that is being reported and/or collected inaccurately and unlawfully. The account in question does not belong to me and is the result of identity theft. 
I did not open, authorize, or benefit from this account, nor did I enter into any contract or agreement related to it. I have no legal obligation for the alleged debt. 
I submitted a written dispute and debt validation request to the creditor/debt collector requesting : Proof of debt validation, including a copy of any original signed contract or application Proof of legal standing and valid assignment/ownership of the account Evidence of a permissible purpose for obtaining and furnishing my consumer report Cessation of collection and credit reporting pending investigation To date, the account continues to be reported and/or collected without providing competent evidence that I am legally responsible for the debt. Generic statements, internal records, or unverified balances do not constitute proper validation.

This reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including the requirement to report accurate information and to conduct a reasonable investigation once a dispute is received. Continued reporting of this account without validation also constitutes unfair and deceptive practices.

Because this account is the result of identity theft, I am asserting my rights under 15 U.S.C. 1681c-2 and requesting that this account be deleted from all consumer reporting agencies and that all collection activity cease immediately.

I am requesting CFPB assistance to ensure that : The creditor/debt collector provides full legal validation and proof of ownership, or The account is permanently deleted and withdrawn from all credit reporting agencies I am submitting this complaint for permissible purpose verification, assignment/ownership review, and correction of inaccurate credit reporting.

This complaint is submitted without admission of liability and with full reservation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I had won an appeal with XXXX that i filed sometime in XXXX, I was unaware that I had won a card was mailed out with XXXX dollars i never received the card due to mailbox theft while I was actively away from home being treated for XXXX  XXXX when I did discover the theft and fraud I immediately reported it to XXXX XXXX and filed a police report which was on XX/XX/XXXXXXXX XXXX XXXX has repeatedly denied my claim and appeals due to reporting the fraud out of the time frame which was out of my control due to illness and hospitalization for XXXX  XXXX. I have never received a single piece of mail from XXXX XXXX stating a denial or any documents that were used to determine a denial I have made many phone calls to money network trying to resolve this matter over the last year and I have gotten nowhere. I never received, activated or used the XXXX XXXX card with my XXXX dollars on it .It was stolen from my mailbox and activated and used without my knowledge or consent .The denial was issued without a meaningful investigation and without providing evidence that i received- activated or benefited from the transactions.Under the EFTA Act ( 15 U.S.C penal code 1693 ) and Regulation E, a timing based denial alone does not establish authorization I am formally requesting a full reimbursement of XXXX dollars.

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 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App previously restricted my account, then reinstated it. I was told I had to wait a long time before I could get a Cash App Card again. I complied and waited about a year. My account is active and my identity verification inside the app shows Verified, but I still can not obtain a Cash App Card. Support has not been able to resolve it and no one can explain the specific reason or fix whatever block is preventing card issuance.

I am requesting a clear written explanation for the denial and a permanent resolution. I am not asking for special treatment. I am asking to be able to use my Cash App account normally and receive a Cash App Card, or to receive a specific written decision with concrete steps to appeal or regain eligibility.

Timeline Account was restricted, then later reinstated by Cash App Cash App instructed me to wait an extended period before card eligibility would return I waited about one year as instructed After waiting, the app still will not allow me to order or receive a Cash App Card Multiple support contacts have not produced a resolution, an escalation outcome, or a meaningful explanation Account identifying information for Cash App to locate my profile Legal name : XXXX XXXX XXXX Phone number on file : use the exact number shown in my Cash App personal information screen Email on file : use the exact email shown in my Cash App personal information screen Mailing address on file : use the exact address shown in my Cash App personal information screen Cashtag : XXXX XXXX  What I want the company to do Preferred resolution Remove any remaining restriction that is preventing Cash App Card issuance Allow me to successfully order and receive a Cash App Card Confirm in writing that my account is in good standing and eligible for a Cash App Card going forward If Cash App refuses Provide a specific written reason for the denial of the Cash App Card tied to my account Identify the exact eligibility rule or policy being applied Provide the exact steps required to regain eligibility, including any verification steps, and a real timeline Provide a formal appeal or escalation path that results in a final written decision Additional note My identity verification in the app shows Verified, and I have complied with the waiting period Cash App required. I am requesting a clear, accountable resolution rather than generic support responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: MN

Complaint narrative:
I am filing a complaint regarding Klarnas handling of a consumer credit account and its failure to pause payments and fees during an active dispute.

I originally placed an order using Klarnas Pay in 4 product, which accepted my credit card. Later, I was prompted in the Klarna app to convert the plan to Pay over 6 months. During that conversion, I was not clearly informed that doing so would permanently remove my ability to use my original credit card for payments.

After the conversion, Klarna required a debit card as the only payment method. I immediately experienced problems because debit payments were not a workable option for me. I contacted Klarna multiple times and formally requested a temporary hold on payments and late fees while the issue was reviewed. 
Despite this active dispute and my written request for a hold, Klarna attempted to charge the debit card anyway and added a late fee on XX/XX/2026. Klarna did not respond to my follow-up email before adding the fee. 
I am not refusing to pay the loan. I am disputing Klarnas failure to clearly disclose the loss of my original payment method and its decision to continue automated payment attempts and add late fees during an unresolved complaint.

I am requesting that Klarna : Remove the late fee added during the dispute Pause further fees and automated payment attempts while a safe payment solution is identified Provide a reasonable accommodation given the acknowledged lack of disclosure during the plan conversion Klarna has acknowledged that its in-app communication was insufficient, but has not provided a corrective resolution and has continued charging fees despite my good-faith efforts to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: DailyPay, Inc
State: NJ

Complaint narrative:
On XXXX XXXX XXXX DailyPays calculations were consistent with my hours worked. 

However, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, DailyPays available balance did not reflect my actual hours worked, resulting in nearly {$110.00} missing. 

While part of the funds for these dates were technically in my account as unavailable, this affected my ability to access the money I had earned. The unavailable funds for XX/XX/XXXX ( {$140.00} ) were later included in the payment I received on XX/XX/XXXX ( {$180.00} ), along with other accumulated amounts. The indisponible portion remained intact and was properly accounted for in that payment. 

I attempted to resolve this issue directly with DailyPay : On XX/XX/XXXX, I called DailyPay twice, but the system transferred me directly to an agent evaluation survey both times without ever connecting me to an agent. 

From XX/XX/XXXX onward, I sent approximately three emails requesting that DailyPay review my balance and correct the discrepancy. The responses consistently stated that DailyPay relies on the information provided by Dollar Tree and that corrections are applied automatically once the data is received from the employer.

I communicated with a DailyPay representative via email on several occasions, but the issue remained unresolved. 

XXXX XXXX records are the authoritative source of my work hours, not just what DailyPay shows internally. As of today, XX/XX/XXXX, my manager has confirmed that the hours reported by XXXX XXXX  match exactly the hours I submitted to DailyPay. 

If XXXX XXXX confirms my hours are correct, I expect DailyPay to immediately correct the available balance. If there are no discrepancies in XXXX XXXX system, I may pursue legal action against DailyPay, as the handling of my earned wages is not clear, transparent, or accurate. 

Clarification on previous discrepancies : XX/XX/XXXX : Worked XXXX hours and XXXX XXXX  ( gross {$80.00} ) ; DailyPay only made {$48.00} available instead of the expected ~ {$63.00}. 

XX/XX/XXXX : Worked XXXX hours ( gross {$81.00} ) ; DailyPay only made {$14.00} available instead of the expected ~ {$64.00}. 

XX/XX/XXXX : Worked XXXX hours according to XXXX XXXX ; DailyPay shows XXXX XXXX  ( {$20.00} gross ) and made {$15.00} available. 

Note : The correct available balance is based on the average expected earnings for those hours, without accounting for any potential bonuses that may apply that day.

I expect a prompt review and correction of my available earnings for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, totaling approximately {$110.00}, before the end of this pay period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma, LLC
State: MA

Complaint narrative:
Okay so on XX/XX/XXXX, there were multiple unauthorized XXXX payments were made from my checking account through a linked XXXX XXXX  account to the same recipient in repeated small-dollar amounts approximately {$25.00} to {$35.00}. This activity occurred in rapid succession and was inconsistent with my normal account use. I tried reporting the issue to Credit Karma promptly and stopped using the XXXX service. Credit Karma completed an investigation and denied my dispute without explaining how authorization is determined in an account compromise scenario or addressing the unusual transaction pattern. I am requesting a secondary review please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I had a Wells-Fargo account opened in my name that I didn't do. Called Wells-Fargo and they were awesome about getting it closed down and an investigation started. I asked early on where the fraud happened and never found out.

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief