vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
The company set up a payment plan however, I was going to be paid after the payment date which was XXXX days. When I was going to be make the payment I was unable to and when the collection company contacted me right before I was going to make the payment I was notified by the representative that the company did not wish to work with me any longer and I would need to pay {$5000.00} which of course I did not have. I had even noticed the original creditor that I was signing up for rental assistance programs which were sent in to the judge over the case as document proof of attempts to get the last {$700.00} out of the rent that was due which at the time was {$3100.00} which at the time before the case proceedings I attempted to work something out with the property management for the last {$700.00} since I had to ask my family that is not very financially stable for assistance to come up with as much money towards the rent and had started my job but had only been paid for XXXX week instead of XXXX. I was not able to actually get more assistance at the time and due to fear of having police escort me off the property before I had the full amount I vacated the premises since I was notified that if I stayed on the premises I would be escorted out by law enforcement by XXXX of the XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by XXXX XXXX XXXX ( XXXX XXXX ) that does not belong to me and is the result of identity theft. Account information being reported : Collection Agency : XXXX XXXX XXXX Original Creditor : Synchrony Bank Balance : {$1600.00} Account Number : XXXX Date Opened : XX/XX/year> I never opened, authorized, or used this account. This account was fraudulently created using my personal information without my knowledge or consent. I have disputed this inaccurate information and informed the credit bureaus that I am a victim of identity theft, yet this collection account continues to appear on my credit reports and is causing severe damage to my credit profile and financial opportunities. Under the Fair Credit Reporting Act ( FCRA ) Sections XXXX and XXXX, and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting : An immediate investigation into this fraudulent account. Full validation of the alleged debt, including signed agreements, applications, transaction history, and proof that I personally authorized this account. Immediate deletion of this collection account from XXXX, XXXX, and XXXX if the company can not provide lawful proof that the debt belongs to me. Immediate cease of all collection activity related to this fraudulent account. Written confirmation once the account has been removed from all consumer reports. This account is inaccurate and the result of identity theft. Reporting unverifiable and fraudulent information is a violation of my rights as a consumer. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MD

Complaint narrative:
I order a joystick for my son from XXXX on XX/XX/year> the order never arrived and has been delayed in shipping since XXXX. I contacted XXXX multiple times and could not get a refund. I disputed the transaction with my bank XXXX times and submitted documentation including the tracking information that proves the item never arrived. My bank DENIED my dispute THREE TIMES and hasnt provided a valid reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally dispute an unauthorized and fraudulent charge of {$49.00} made by the merchant " XXXX '' on XX/XX/XXXX. I have contacted Wells Fargo multiple times regarding this matter with no resolution, which forces me to submit this formal written notice under the Fair Credit Billing Act ( FCBA ). Factual Timeline & Evidence of Unauthorized Billing : The Pretext : I provided my credit card information to XXXX solely to pay a {$25.00} copay for a new, unrelated medication. The Failure to Deliver : XXXX subsequently informed me that the medication was out of stock. They did not process the authorized {$25.00} charge. The Unauthorized Charge : Instead of discarding my payment information, XXXX unlawfully retained my credit card details and billed my account {$49.00}. I never authorized this transaction. The Malicious Retaliation : This specific amount ( {$49.00} ) is identical to a prior charge from XXXX that was already fully investigated and permanently resolved in my favor by Wells Fargo XXXX XX/XX/XXXX ( Dispute Number : XXXX ). XXXX is utilizing card information obtained under false pretenses in XXXX to illegally bypass Wells Fargo 's permanent credit decision from XXXX. This is a severe merchant compliance violation and constitutes credit card fraud. Demands for Immediate Resolution : Immediate Permanent Credit : Reverse the unauthorized {$49.00} charge immediately, as required by the FCBA. Merchant Block : Place a permanent block on " XXXX '' to prevent any future unauthorized charges to my account. Formal Acknowledgment : Provide a written confirmation that this dispute has been reopened and resolved within the statutory timeframe. Please be advised that if this clear case of unauthorized billing is not resolved promptly, I will be forced to escalate this matter and file a formal regulatory complaint against Wells Fargo with the Consumer Financial Protection Bureau ( CFPB ) for failing to protect a consumer against documented merchant fraud. I expect to see the permanent credit reflected on my account immediately. Sincerely,

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
During my phone call with the Bank of America Fraud Department on XX/XX/year>, the representative claimed that the bank 's automated system had registered a " YES '' response, assuming that I authorized the transaction. However, the absolute fact is that I was speaking directly with a BoA live human agent, explicitly stating that the transaction was fraudulent and completely unauthorized. During that live conversation, I requested the agent to immediately stop the pending transaction, deactivate the stolen debit card, and issue a new card to prevent any further damage. The banks automated system severely erred by misinterpreting my urgent fraud report as a transaction approval and wrongfully allowing the second unauthorized transaction to proceed. Bank of America holds clear liability for this systemic failure, as its automated platform completely ignored a live customer 's direct verbal command to freeze the 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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Winklevoss Exchange LLC
State: VA

Complaint narrative:
I had credit fraud occur on my Gemini XXXX on XX/XX/year> for 4 charges back to back at all exactly XXXX for {$1700.00} each. I immediately disputed the unrecognized charges. Gemini credited my account while they were investigating and then found the merchant to not be liable, so essentially they rejected my claim. This is an obvious case of fraud as the charges all show at exactly XXXX for the same exact dollar amount at the same exact location. The transaction details show the charge at some kind of foreign marketplace called XXXX XXXX. It shows the transaction occurred in XXXX, XXXX. Ive never been anywhere near XXXX and dont know anyone in XXXX . I now have over $ XXXX dollars uncredited back to my account. I have over an XXXX credit score so you can imagine seeing this on my credit card is driving me nuts. It was suggested to report this to your group. I have since submitted an appeal to Gemini with a police report, although their support is extremely slow in working tickets. Any help your group can provide would be greatly appreciated. Gemini Credit Card Support, Ticket ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Texan Credit Corporation
State: TX

Complaint narrative:
To Whom It May Concern, I am disputing the accuracy of the charged-off account reported by Texan Credit Corporation on my credit report. I have made several attempts to contact the company using the information provided on my credit file, but I have been unable to obtain proper assistance, clear account verification, or complete payment records. Although I experienced significant financial hardship, including housing and family-related difficulties, I still made good-faith efforts to repay this account and paid approximately 70 % of the balance. However, the account reporting does not accurately reflect my payment history or the payments I made. In addition, the original loan amount was {$1000.00}, yet the account is being reported as {$1500.00} due to added fees. I also made more than XXXX payments toward this account, but those payments do not appear to have been properly credited or reflected in the reported balance. I previously maintained a positive payment history with this company on other accounts, which makes the current reporting even more concerning. I respectfully request a full review of this account, including verification of the balance, payment history, and all fees applied. If the information can not be verified accurately, I request that the inaccurate reporting be corrected or removed. Thank you for your time and prompt attention to this matter. XXXX. Hi TCC Texan ( Credit Corporation ), I am responding to the denial regarding the name concerns on my account. Please note that XXXX XXXX and XXXX XXXX XXXX refer to the same person. I now legally go by XXXX XXXX but I had to file the complaint using my legal name. For verification purposes, I will attach documentation of my legal name change along with a copy of my drivers license. My Social Security card can also be provided upon request. I can be contacted at XXXX Email : XXXX Additionally, my Social Security number, drivers license number, email address, and XXXX of my phone numbers remain the same and should match the information already on file in your system. You may contact me using the information you currently have on record. I am acting in good faith and seeking a proper response regarding this matter. Please do not hesitate to verify my identity and legal name change through your internal records or third-party databases such as XXXX or similar verification services. I look forward to your response and resolution of 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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint against Bank of America regarding an unauthorized withdrawal of approximately {$3500.00} from my account after my debit card was stolen. I did not authorize this withdrawal, did not give my card to anyone, and did not provide my account information or PIN to any person. I rarely use this debit card for purchases and mainly use my account only for paying bills. Despite this, someone was able to withdraw my savings without my permission. I immediately reported the fraud to Bank of America and filed a police report. I provided the bank with copies of the police report and all requested documentation. However, Bank of America has denied my fraud claim XXXX separate times without providing a reasonable explanation or sufficient evidence supporting their decision. The bank continues to imply that I authorized the transaction or was responsible for the withdrawal, which is false. I have repeatedly requested evidence supporting their denial, including surveillance footage, ATM video, or documentation showing who performed the withdrawal, but the bank has not provided any meaningful proof or investigation results. This unauthorized withdrawal took all of my savings. I have been a Bank of America customer for many years, and I believe the bank failed to properly investigate my claim and failed to protect my account from unauthorized access. I am requesting that Bank of America : XXXX. Reopen and properly investigate my fraud claim ; XXXX. Provide all evidence relied upon in denying my claim, including any ATM surveillance or transaction records ; XXXX. Refund the unauthorized {$3500.00} withdrawal ; and XXXX. Correct any records that wrongly state or imply that I authorized this transaction.

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: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
On XX/XX/year>, I opened a new E * TRADE checking account through E * TRADEs promotional webpage : XXXX XXXX XXXX. The promotion page stated : Earn {$300.00}, plus up to XXXX % APY ... Just open a new checking account by XX/XX/year>, and complete the XXXX easy steps below. Use promo code : XXXX. However, after opening my new account through the promotional webpage, I found that the promo code was not applied to my account. On XX/XX/year>, I called E * TRADE and asked them to apply the promo code to my account. I was told the issue would be reviewed, but I have not received a clear response or resolution. I have called to check on the status from time to time, but the promotion still has not been applied as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
These transactions were not made or authorized by me. I did not provide permission for these transactions and I immediately reported them to Chime after discovering them. Despite this, Chime denied my dispute within approximately 24 hours and only provided my account statement and dispute intake form as the basis for their investigation. Those documents do not prove that a meaningful investigation was conducted into the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I submitted a Borrower Defense to Repayment application to the U.S. Department of Education on XX/XX/year> regarding loans connected to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The application has remained in Application Review status for an extended period with no final determination or meaningful update provided. During this time, my federal student loans have remained in forbearance through my loan servicer, Aidvantage. I have requested updates regarding the status of my application and loan discharge eligibility, but have not received a final decision. I am requesting a full review and discharge determination, as well as clarification on the status of my application and any applicable relief, including interest and credit reporting adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a XXXX check to my Bank of America checking account on, XX/XX/year> and they placed a hold on the entire amount until XX/XX/year>. I told them federal law requires they make the first XXXX available the next business day and that I need that money for food and they have no released any of my funds. This isnt right please help me

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: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I received an electronic letter on my XXXX XXXX app saying my account was closed due to observed Inconsistent activity. I have been up to date on all my payments, in fact, I pay off my credit card almost immediately. I called several different customer service representatives, was transferred to many different departments and was never given a specific reason why my account was closed. The representatives just kept saying there was observed inconsistent activity. I have never been late on a payment. I never received a fraud alert. I never got a call or message from capital one prior to them shutting down my account today, and despite speaking to XXXX different people, I never received an answer as to why my account was shut down. I was even told my account and credit card was in good understanding. When I brought this up, each person, including the XXXX, kept repeating inconsistent activity without any further explanation. The XXXX told me that she was not a trained credit professional and could not tell me more information or next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CoinZoom, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I deposited {$25000.00} via ACH from my business account ( XXXX XXXX XXXX XXXX ). On XX/XX/year>, I deposited an additional {$6100.00} from the same account. The beneficiary name on both deposits exactly matches my verified name on my CoinZoom account ( XXXX XXXX ). I am the sole owner of the business. The deposits goes from XXXX XXXX XXXX XXXX XXXX XXXX CoinZoom restricted my account, claiming the deposits were from a third-party account. They refused to lift the restriction or release the funds and told me to contact my bank to recall the transfers. This contradicts CoinZooms own app, which states under Bank Deposit ( ACH ) : You can also create a direct deposit form in a few easy steps to give to your employer. I have repeatedly offered to provide documentation proving I own the business entity and asked CoinZoom to identify the specific section of their Terms & Conditions that prohibits properly named deposits from a business I control. They have not done so. I request that CoinZoom immediately lift the account restriction and release the held funds.

Company response to consumer: Untimely response
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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing this formal regulatory complaint against American Express for violating Fair Credit Billing Act ( FCBA ) guidelines regarding merchant closure and services not received. On XX/XX/XXXX, two prepaid transactions were made at XXXX XXXX XXXX XXXX ( officially registered as XXXX XXXX ) totaling {$490.00} ( {$390.00} and {$99.00} ) using an American Express card. This was a prepaid instrument for ongoing groceries, which is a contract for future goods. Recently, the merchant suddenly shut down permanently, abandoned the business, and cut off all contact with consumers. Therefore, the contract was breached, and prepaid funds were withheld due to business abandonment. This merchant 's sudden closure and fraudulent activities have been officially reported to and established by both federal and state law enforcement agencies under FTC Report Number : XXXX and Texas Attorney General Consumer Complaint Number : XXXX. Billing disputes were immediately opened with American Express. However, Amex automatically closed cases XXXX and XXXX, claiming the dispute was reported more than 60 days after the statement date. Under FCBA guidelines for unfulfilled prepaid services, the dispute window begins from the date the contract is breached ( the day the merchant permanently closed and withheld the goods ), not the original purchase date. On XX/XX/XXXX, I contacted Amex Chat and spoke with a supervisor named XXXX ( Interaction Reference Number : XXXX ). I clearly explained the merchant abandonment scenario, the corporate entity name ( XXXX XXXX ), and the legal timeline under the FCBA. Supervisor XXXX stated that because it was a grocery instrument, the transaction was completed upon charge, completely ignoring federal protections for unfulfilled future goods when a business vanishes. He explicitly refused to reopen the investigation and refused to escalate the case to the Executive Office. Amex 's automated system limitation and their supervisor 's refusal leave me with a total financial loss of {$490.00} for goods that are physically impossible to receive.

Company response to consumer: Closed with explanation