vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 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: RI

Complaint narrative:
XX/XX/XXXX I opened a dispute with Chase for {$350.00} against the company XXXX for failing to pick up my bags as scheduled, lying about their pickup attempt, later admitting no one showed up as scheduled, causing delays, and returning XXXX bag damaged. XX/XX/XXXX Chase closed the case after speaking with XXXX, without ever contacting me. XX/XX/XXXX XXXX technically " expired '' ( I was never notified of this deadline ). XX/XX/XXXX I sent a reconsideration letter to Chase. XX/XX/XXXX Chase representative XXXX called me, promised a three-way call with XXXX, then called back saying she couldn't reach them and closed the case citing that I had selected the wrong dispute reason on Chase 's platform. She offered a {$100.00} refund, which I declined, requesting the investigation continue instead. XX/XX/XXXX I sent a formal escalation letter to Chase 's Office of the CEO. Delivered via USPS with return receipt. XX/XX/XXXX No response whatsoever from Chase 's Office of the CEO. XX/XX/XXXX I am going to send a follow-up letter to Chase 's Executive Office/CEO , after submitting a complaint through the CFPB, requesting acknowledgment and resolution within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
On XX/XX/year> I received an email from a colleague with whom I serve on a local board. We had an event that evening, and he asked if I would pay the vendor for the event directly and our treasurer ( who he listed by name ) would get me a check for reimbursement. Because the event was in a couple hours and time was of the essence, I made the payment of {$1400.00}. It was requested that I pay the vendor through XXXX XXXX, which I did using my Wells Fargo bank card. Within a few hours I realized it was a scam. I contacted Wells Fargo Bank immediately to report the fraudulent transaction. I requested that it be reversed or cancelled. I asked if there was anything else i needed to do and was told no, that I would be hearing from the bank. Today, XX/XX/year>, I received a letter stating that the investigation was closed and they would not be reversing or refunding the transaction. I tried calling the bank but could not get through to anyone after being on hold for 30 minutes. I went to the bank in person to inquire. They contacted someone via phone who said there was nothing that could be done because I willingly participated in the scam ( I didn't know it was a scam until after I sent the money, obviously ). I thought calling my bank immediately was the correct thing to do in order to get the transaction reversed or to put a stop to it. I was not told that I needed to do anything else, except wait for the bank to notify me of next steps. Two weeks later, I learn that the bank is not going to do anything.

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 2026-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
A Chase savings account that I hold is currently active and has approximately {$5200.00} placed on hold. The hold was placed shortly after the account was opened in or around XX/XX/XXXX at a Chase branch on XXXX XXXX, New York. The account is administered through Chase XXXX XXXX XXXX ( XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In Chase 's online portal today, the hold is displayed as in effect " until XX/XX/XXXX, '' with no further information no reason, no classification, no explanation of what the hold is for or how it can be released. The hold has been in place continuously for over XXXXXXXX years. The hold also prevents me from closing the account. I have contacted Chase multiple times to ask what the hold is for and what is required to release it : - Chase customer service by phone told me that Chase is unable to determine the nature of the hold due to the passage of time. - I visited a Chase branch in XXXX, Massachusetts in person. The branch was unable to provide any explanation of the hold or to assist in resolving it. Because the account is currently active and the hold is displayed in Chase 's present-day online portal with a " until XX/XX/XXXX '' effective date, the hold is a current condition recorded in Chase 's current operational systems. It is not a historical records request. Chase 's " passage of time '' response does not adequately address a hold that is presently displayed in the account today and presently prevents me from closing the account. Throughout XXXX and the first half of XXXX, I sent several formal written demands for investigation to JPMorgan Chase Bank , N.A . by certified mail to XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX, and by email to the Chase Executive Office and senior leadership. A copy of that demand letter is attached. I am also filing parallel complaints with the Office of the Comptroller of the Currency and the New York Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
Someone posing as police in XXXX XXXX Washington got access to my cashapp and stole XXXX dollars from my account and sent them to fraudulent accounts. When I requested a refund I was denied. Another XXXX was taken from my current account by another fraudulent company posing as police.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am submitting this complaint regarding unfair credit reporting practices involving Capital One and the inaccurate reporting of my accounts on my credit file and within my Capital One profile. I have had multiple accounts with Capital One that have all been paid off and satisfied. Despite this, Capital Ones system continues to report negative remarks and inaccurate information on my credit file and on my internal profile with Capital One. These inaccurate remarks are negatively impacting my creditworthiness and ability to obtain credit. I have contacted Capital One several times requesting that these errors be corrected. I have also disputed the inaccurate reporting with the credit bureaus ; however, the negative remarks still remain on my credit report. I believe Capital One has failed to properly investigate and correct inaccurate information as required under the Fair Credit Reporting Act ( FCRA ). The partial account numbers end in # XXXX and # XXXX This ongoing issue has caused unnecessary stress, frustration, and financial harm. I am requesting that Capital One immediately : Conduct a full investigation into the inaccurate reporting Remove all incorrect negative remarks associated with paid accounts Update all credit bureaus with accurate account information Correct my internal Capital One profile to reflect accurate paid-in-full account status Provide written confirmation once corrections have been completed If this matter is not resolved promptly, I intend to pursue further legal action regarding the inaccurate reporting and damages caused by these unfair practices. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I'm trying to save my home I fell behind in payments due to some hardships over the years. This is my first time being a homeowner. Im back on my feet submitting all paperwork to them it keeps being a issue I feel like they setting me up to lose my home that I been working so hard to keep doing everything they ask of me and XXXX. This is not fair especially to good people that are trying. Bank of America rather see clients homeless then to take time and patience to help. I just want to save my home and im asking for time to have all this paperwork sent correctly with no issues

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 2026-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: WA

Complaint narrative:
They told me it was a XXXX debt. A debt from an ex over 12 years ago. Harassing me. They yelled and hung up couldn't understand the language. I am a XXXX combat vet with severe XXXX. This is making my symptoms worse with repeated phone calls up to 6 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Went to look at a new vehicle at XXXX XXXX in XXXX, we did not purchase a vehicle in the end, next day I get an email from XXXX showing I have been approved for a credit card and is on its way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
TRUEACCORD XXXX Are reporting that I owe {$400.00} to the credit bureaus and have told them multiple times. This debt does not belong to me also to send me proof which they have done either. Can you you please contact them and have them resolve this situation and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Transunion and Equifax are not reporting my correct address and name

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 2026-05-27 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: Rosebud Economic Development Corporation
State: GA

Complaint narrative:
I received an email then a text stating that a short term loan was available for {$1500.00} without an apr stated. I attempted to get a document of the loan sent to me as well as log into my account. It took several efforts and calls and I finally got through to them in under 30 days of the loan being issued. I asked to cancel the loan and return the {$1500.00} issued because customer service stated the loan had an APR rate of 507.81 % I refused the loan and asked for them to cancel it as the loan was new. They instead are trying to take a weekly amount of {$150.00} out of my bank account for 60 months or 5 years. They not only had my log into information incorrect but as well didnt send a copy of document of the loan until after they put money into my account. I offered to return their money as it had not been 30 days with the XXXX XXXX due but come to find out they withdrew {$620.00} out of my account already and refused to just take the {$1500.00}. They said I had to pay an additional {$95.00} plus the {$620.00} on top of the {$1500.00}. The loan is new and has not even aged a month. I wish to cancel and return the money as I was never given an APR based off of my credit nor provided with a proper or working log in to view terms before they put money into my account. Their website states fair loans and no hidden fees. 507.81 % is most certainly a hidden fee as the APR is not disclosed before you receive the money for the loan.

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 2026-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: DLC, LLC
State: UT

Complaint narrative:
THEY CALLED MY WORK AND EMBARRASED ME INFRONT OF MY WORK AND TOLD THEM ABOUT MY DEBT. i looked into local laws and that is super illegal collection practices. you aren't allowed to call my work at all. that is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XXXX of XXXX I submitted to be put on a payment plan for XXXX to be taken out of my bank each month on the XXXX. Each month they were taking duplicate payment amounts ( XXXX - XXXX ). During XXXX of XXXX when i noticed the duplicate payments, I asked for a check of {$230.00}, ( I saw today XX/XX/XXXX they actually took more ) ; to payback the balance of duplicate payments. They only sent a check of {$140.00} during XX/XX/XXXX. I called when when I recived it and I asked where the remaining XXXX. They said they would send it out and be delivered within XXXX business days. Its past XXXX business days. I called today XX/XX/XXXX and asked them again where the check is and they told me that only XXXX was sent because 2 months the auto pay for the payment plan didnt go through. Only 1 month it was a returned payment of {$47.00} which was on XX/XX/XXXX, only for {$200.00} to be taken out a day or XXXX after. I have called them and Have asked information on why {$200.00} was withdrawn instead of the XXXX. They told me they couldnt tell me why and they dont know. I was then transferred to the dispute department and they told me as well they arent sure and that if I want a check for the duplicate payments I need to be verified. They transferred me over to a different department and put me on hold. Been on the phone for over XXXX hours just for them to hang up on me. I have been calling back several times and have been getting the same replies along with being hung up on. I would like my check of {$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I am filing this complaint against Santander Consumer USA for inaccurate credit reporting following the final payoff of my auto loan.My final payoff was completed on XX/XX/XXXX, well before the due date. The payment was made on my behalf by my mother, XXXX XXXX, directly to Santander. I have attached the official confirmation showing the transaction was successful on XXXX, along with the bank statement showing the funds cleared on that date.Despite this timely payoff, Santander is reporting the XXXX history as 'late ' to XXXX This is factually incorrect. I demand that Santander manually audit this account, locate the XXXX payment from XXXX XXXX, and immediately issue a correction to XXXX to mark XXXX as 'On-Time ' and show the account as Paid/Closed with no delinquencies for the month as it is showed on my XXXX XXXX XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: KY

Complaint narrative:
I had an insurance company draw money out of my account a month after my policy was cancelled, and they denied taking the money out. On XX/XX/2026 I filed with Chime to get my money sent back. I included all documents including date of surrender and proof of canceled payments, company confirmation of payment taken, denial if any payment, and ticket number sent to Kentucky Department of Insurance. As of XX/XX/2026 I was told it will take them 90 days to return the money fraudulently taken from my account. The state investigation doesn't even take that long

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EdFinancial Services
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This inaccurate collection account is unfairly damaging my credit and making it extremely difficult for me to secure stable housing and provide a safe home for myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am filing this complaint regarding Wells Fargos handling of an unauthorized wire transfer/account takeover. On XX/XX/year>, I discovered an unauthorized wire transfer for {$4100.00} from my Wells Fargo account. I did not initiate, approve, authorize, or benefit from this transaction. I did not provide any verification code to anyone. I also received Wells Fargo Advanced Access code text messages around the time of the unauthorized activity, which I did not request, enter, or share. I contacted Wells Fargo multiple times beginning at approximately XXXX XXXX and reported the transaction as unauthorized. I requested immediate action to stop, cancel, or recall the wire. Wells Fargo later informed me that the wire recall was not transmitted until approximately XXXX XXXX. I am requesting a full written explanation for this delay because the delay may have materially reduced the chance of recovering the stolen funds. To the extent the Electronic Fund Transfer Act and Regulation E apply, I request that this be treated as an unauthorized electronic fund transfer. If Wells Fargo contends that Regulation E does not apply because the transfer is governed by UCC Article 4A, I request a written explanation of that position. Under Nevada UCC Article 4A, including NRS 104A.4202, NRS 104A.4204, and NRS 104A.4211 , I request that Wells Fargo identify the security procedure used to authenticate the payment order, whether the Advanced Access codes were successfully entered, whether the payment order was actually authorized by me, whether Wells Fargo accepted the order in good faith and in compliance with commercially reasonable security procedures, and whether my XXXX XXXX report gave Wells Fargo a reasonable opportunity to cancel, stop, hold, or recall the transfer before the recall was finally transmitted at 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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year>, I initiated a {$6000.00} balance transfer through my Citi XXXX credit card to my XXXX personal loan account. I provided XXXX 's details including account number XXXX and clearly wrote XXXX in the comments field. Citi confirmed they received these details from me. Despite receiving correct XXXX details, Citi processed the transfer to XXXX instead. Citi provided me trace number XXXX and stated funds were credited. I called both XXXX XXXX XXXX and XXXX XXXX. Both confirmed they never received any funds. XXXX also confirmed account number XXXX does not exist in their system. XXXX also confirmed they never received the {$6000.00}. The funds are completely unaccounted for. Citi never sent me any confirmation email showing where funds were being sent, so I had no opportunity to catch their error. Citi is refusing to take responsibility and can not explain where my {$6000.00} went despite having the trace number. I have been given conflicting information and no resolution.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following account in question. Im a victim of identity theft and I dont recognize this account on my report. Im requesting the following information be deleted from my Consumer report immediately!

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 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Experian Transunion and Equifax are not reporting my correct address and name

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 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Experian Transunion and Equifax are not reporting my correct address and name

Company response to consumer: Closed with non-monetary relief