vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Failure to Resolve Fraud Dispute and Inaccurate Consumer Reporting " In XX/XX/year>, I filed a formal dispute for unauthorized fraudulent transactions totaling over {$8000.00} for online transactions. Since that report, I have received no resolution or communication from the financial institution regarding the status of this investigation. Furthermore, I have discovered significant inaccuracies in how my personal information is being reported : Incorrect Identity Details : My legal name is XXXX XXXX XXXX, as verified by my Florida Drivers License However, the bank and reporting agencies are incorrectly listing me as 'XXXX XXXX XXXX '. Incorrect Address : My records contain an incorrect address despite the bank having my driver 's license number on file.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My online bank account was hacked into. The credit card issuer, Wells Fargo, provided me with evidence clearly showing the XXXX address, timestamp and device ID of the hackers. This was a pure hack. I did not speak to the hackers prior to them gaining access to my bank account. The hackers called me after gaining access to my online credit card account. They sent {$9600.00} as a cash advance on my XXXX credit card. I filed a claim the same day. It was denied. I then retained an attorney who sent the credit card issuer, Wells Fargo, a demand letter. Wells Fargo responded by retaining a lawyer to investigate the issue. XXXX XXXX attorney has not come to a final conclusion on the dispute even though It has been more than 53 days since the fraud occurred. Today they told my attorney that Wells Fargo can not " temporarily pause or cancel debt and interest prior to resolution of a dispute. '' I am now liable to pay the minimum payment on the credit card bill by XX/XX/XXXX. They are threatening my credit rating.

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 2026-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I sent a XXXX to a wrong person on XX/XX/XXXX. I had send several XXXX to the a person last year ( XXXX ) and he use email as XXXX account instead of phone number in the new year ( XXXX ). My money went to stranger. I had file a claim to Chase at the next Monday ( XX/XX/XXXX ). But I just got a notice my claim closed on XX/XX/XXXX and I did not get my money back. I did not receive any phone call. I was checking my chase app all the time and my claim never shows pending even in 1 minute. The reason Chase is not helping is the payment was authorized. So Chase just see my claim and because it is authorized they just close it and not doing anything at all. I had sent many evidences to them to shows this is an authorized but it is a mistake. However, my claim did not get reopen for investgation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally express my extreme disappointment and concern regarding the treatment I recently experienced at XXXX separate Bank of America locations in Georgia the Old National location and the XXXX location off XXXX XXXX. I visited your branches with an endorsed check made payable to me. The individual who endorsed the check was physically present beside me with valid identification and all proper documentation required to verify the transaction. Despite this, both branches refused to deposit the check. What made this experience even more concerning was being told that handling this type of transaction is done on an exception basis, and that I simply was not considered an exception. After being a loyal Bank of America XXXX for XXXX XXXX years, hearing that statement was not only insulting, but deeply troubling. I left both locations feeling humiliated, singled out, and questioning what criteria was actually used to deny my transaction. Frankly, the only difference I could identify was the XXXX of my skin. When a long-term customer is denied service despite having proper documentation and verification present, while policies appear to be selectively enforced, it raises serious concerns regarding fairness, consistency, and potential discrimination. To make matters worse, I immediately went to XXXX Bank an institution I have only banked with for approximately XXXX year and the same transaction was handled professionally and completed in less than XXXX minutes without issue. There is clearly a disconnect between Bank of AmericaXXXX stated commitment to customer service and the treatment I received. I expect a formal explanation regarding : * Why this transaction was denied despite meeting verification requirements * What specific policy was being enforced * What constitutes an exception * Why long-standing customers are subjected to inconsistent treatment across branches I also request that this matter be escalated and reviewed seriously, as no customer should walk away feeling profiled, dismissed, or degraded after nearly XXXX decades of loyalty to your institution. I look forward to a prompt response.

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 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This is in regard to a XXXX XXXX complaint - An automatic payment is setup on the XXXX of every month to pay the balance of my credit card ( Due date is always the XXXX of the month ) I always pay, they even noted that when I spoke with them. -I received an email at XXXX on XX/XX/XXXX from XXXX that said they received my payment, and I thought nothing of it. -Earlier on the XXXX I logged in multiple times to check the balance since I didn't see it come out of the checking account. The balance showed {$0.00}. ( XXXX has evidence of the logins and I have a screenshot ). -My wife got a notification from Capital One at XXXX on XX/XX/XXXX saying the XXXX payment wasn't completed for insufficient funds. I had transferred -I called XXXX at XXXX on Monday to see why they were showing a paid balance and what I should do and I told them that I don't see it clearing at the bank. The customer service representative said everything looks good on their side and it sometimes takes the bank several days to process. They have this phone conversation logged. -Sometime later that day, XXXX updates my account to say I'm past due. Not long after that, the statement for the XXXX XXXX is being generated. XXXX XX/XX/XXXX, I received my new statement balance that includes interest and a fee for the insufficient funds. XXXX XX/XX/XXXX, I received an email from XXXX stating that my payment failed to go through while I was already on the phone with XXXX trying to resolve the issue. They said they couldn't do anything for me and it was not their fault that their systems didn't know the payment didn't go through, and even though I called them on Monday to tell them it didn't go through. I just had to pay my XXXX statement that's not due until XX/XX/XXXX today, or else incur daily interest on something that could have been easily resolved had they gave me any indication that the payment didn't go through until it was past due. I purposedly set my payment date 2 days before the due date for that exact reason. I wasn't notified by XXXX until a week after the payment was supposed to be processed that it didn't go through. My suspicion is that they didn't try to draft my account until Friday evening, knowing that if anything went wrong, the customer will be forced to incur the interest for late payment. The balance didn't update until right as the statement for this month was being created. I have all the evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Account Department of Education # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Description of Issue : I am filing a formal consumer protection complaint against Synchrony Bank regarding my Synchrony Car Care store card for active violation of federal periodic statement disclosure laws under 12 CFR 1026.5 ( b ) ( 2 ). This account was established in XX/XX/XXXX and is currently maintained with XXXX negative markers. While monthly statements were accessible on the online consumer portal during the initial phase of the account, Synchrony Bank has since retroactively hidden, suppressed, and removed all historical billing statements prior to XX/XX/XXXX. The bank has created a sixteen ( 16 ) month historical blind spot on my digital interface. This retroactive removal of billing data violates Regulation Z mandates, which require consistent, open access to periodic statement records. Because the bank has hidden records that were previously available, the exact cost impact and balance discrepancies on this account are currently unknown. This intentional concealment makes it mathematically impossible for me to verify how my past cash payments were applied, monitor transaction posting dates, or audit the movement of my promotional principal balance. I am requesting immediate federal intervention to compel the bank to restore these records before any predatory interest structures or retroactive deferred interest traps are applied to this account.

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 2026-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shield Home Loans Inc.
State: UT

Complaint narrative:
I have a VA XXXX XXXX on my property in XXXX XXXX. XXXX XXXX XXXX has been bombarding me with letters and phone calls to take over that loan. I have called them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking them each time to " cease and desist '' with ALL further communications - phone, mail, email. Each time I called I have asked them to stop with ALL of those communications. On XX/XX/XXXX I called ( XXXX ) XXXX. On XX/XX/XXXX I called ( XXXX ) XXXX. On XX/XX/XXXX I called ( XXXX ) XXXX. Those are different phone numbers that have been printed on the mailings I've been receiving. On XX/XX/XXXX, I received a text message from XXXX with XXXX ( XXXX ) XXXX asking for my business. Then on XX/XX/XXXX I : a ) received yet another mailing providing the ( XXXX ) XXXX number ; b ) I ALSO received XXXX phone calls from ( XXXX ) XXXX in rapid succession. Since I didn't have that number saved, I kept directing it to voicemail, and they would immediately call back ; c ) following the XXXX phone call, I received a text message from XXXX ( same number ) saying that we spoke a month ago and that I told them to reach back out if there was a change in rates and options... which I unequivocally did NOT. I also have a text message from XXXX dated XX/XX/XXXX that I had overlooked, also harassing me about my loan. Today, XX/XX/XXXX, I looked up XXXX 's Utah license ( XXXX ) to file this complaint and I'm seeing that they were issued a license XX/XX/XXXX, but it expired XX/XX/XXXX and they failed to renew it. Every time I receive a message from these people, I block the number they are using, but they keep using new numbers to contact me. Thus, I wish to file some manner of complaint with your agency against XXXX for the continued, egregious harassment AND - if possible - for continuing to operate in Utah without a valid ( i.e. current ) license.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am formally disputing inaccurate information being reported on my WFBNA CARD account. This account was originally opened on XX/XX/XXXX, as a secured credit card with a {$300.00} security deposit. The reported balance of {$1000.00} appears incorrect and does not properly reflect the original secured amount, payments made ( including the last payment on XX/XX/XXXX ), or the handling of the security deposit. This account was closed on XX/XX/XXXX. I am requesting an investigation under the Fair Credit Reporting Act ( FCRA ) to provide : A complete payment history and a breakdown of all charges, fees, and interest. Validation of the reported balance and the exact date the account was converted to an unsecured status. Documentation showing how the {$300.00} security deposit was applied, refunded, or credited. A detailed explanation of how the balance increased from the original secured amount to {$1000.00}. Verification of ownership information, including whether the account has been sold or transferred to a third party. If the balance can not be properly verified, I request that the inaccurate information be corrected or removed from my credit report.

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 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> I made a purchase {$1800.00} with my Affirm card on XXXX for airline tickets. On XX/XX/year> XXXX XXXX cancelled my flights and my trip. On XX/XX/year> XXXX refunded the trip in the amount of {$1600.00} Also on XX/XX/year> I contacted affirm to inquire about the refund process and what needed to occur. I was informed that once they receive the refund that it would automatically be applied to my account and the transaction that the purchase was for. On XX/XX/year> I received email notice that there was important notification about my loan. The email directed me to a notification on their site stating that my refund couldnt be applied to my affirm account because they didnt know what charge to put it to and I needed to verify my mailing address On XX/XX/year> I called Affirm and spoke with someone directly who informed me that a check was already being issued and that the day couldnt apply the refund to my account or send it back to me via my bank account associated with my account. So I verified my mailing address. On XX/XX/year> I received a second email from Affirm clearly stating that my refund check was in the mail. On XX/XX/year> I spoke with an agent from Affirm over the phone following up on my refund check being g that I hadnt received it yet. I was told that it takes up to 30 days to receive the check once its mailed and I had to wait until XX/XX/year>, but it was going to be escalated. I asked what happens with my installment payments. On XX/XX/year> I called Affirm back and spoke with another agent expressing that no refund check has been received and it doesnt take 30 days to get a piece of mail once its been sent out. I asked if there was a tracking number for the check and they informed me there wasnt. They said the check still hasnt been issued and that my case was already escalated and they were waiting on a solution. On XX/XX/year> I called Affirm back again still waiting on my refund check and if it isnt here today it isnt going to be here by the XXXX. I asked again for a tracking number for the check if it was in the mail and I was told there was not one. I inquired as to why I want given the option to apply the refund to my installment loans or to get the refund sent to my personal bank account within 1-3 business days as it clearly states that on their website. Again those options were never given to me and a check was cut without my knowledge. I was once again told I have to wait till the XXXX. I asked what happens on the XXXX if the check still isnt here. I didnt get and answer and was told we just have to wait until the XXXX before we can move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I was away on an international cruise to XXXX for XXXX days. I want {$10000.00} on the cruise the last night. They made me sign a XXXX form. They cashed me out they would not wire it into my account. When I got home to XXXX, I found the first Pnc bank in XXXX on XXXX XXXX, and I raced there to deposit the money. I explained to the bank XXXX exactly where I got the money and I had so much of it. They gave me a receipt and told me it would go in as cash and it would be available right away. I was able to transfer some money to pay my XXXX account and some money to pay my XXXX account which was overdrawn. However now my account showing {$1000.00} overdrawn. My daughter put in {$500.00} and I still have no money to go grocery shopping or buy gasoline for my car. The bank says I cant close my account because everythings pending. The local branch that I Bank with says that it went in as a check, however I gave the branch cash. Thats what I deposited. Theyre telling me it could take up to XXXX hours. I have no food and no gas and no way to get anything because they have all my money. Because I followed the rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FDR Asset USA LTD
State: OK

Complaint narrative:
Debt collection company FDR alliance LLC calls only from a unknown number leaves voicemails

Company response to consumer: Closed with explanation