vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 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: TX

Complaint narrative:
An unauthorized transaction of {$30.00} from a background-check/people-search service hit my account. I have never used this service, never visited the site, and never authorized this charge. XXXX XXXX XXXX own systems flagged the transaction as suspicious, yet they are refusing to refund my money and denying my fraud claim. I am exercising my rights under Regulation E to dispute this unauthorized electronic fund transfer. DATE : XXXXXX/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 2026-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am filing this complaint against Wells Fargo Bank, N.A., for an unlawful account setoff, direct violations of federal consumer protection laws, and violations of Arizona debtor exemption statutes. Following credit card judgments ( XXXX XXXX. XXXX and XXXX ), Wells Fargo unlawfully seized {$2800.00} from my personal deposit accounts ( Account Nos. XXXX, XXXX, and XXXX ) and applied the money to one of the judgment accounts. Wells Fargo never notified me that they had done this. I discovered my accounts had all been wiped out when I went to pay living expenses. This action directly violates the Truth in Lending Act ( 15 U.S.C. 1666h ), which strictly prohibits credit card issuers from offsetting balances using a consumer 's deposit accounts. Furthermore, the seized funds were entirely exempt from execution and attachment under Arizona law ( A.R.S. 33-1126 ( A ) ( 9 ) ), which protects a minimum of {$5000.00} in a single financial institution account. I sent notice to Wells Fargo disputing their right to setoff. Subsequently, I received a call from a Wells Fargo representative named XXXX who advised me that Wells Fargo reviewed my dispute and determined they had the right to take my money. Wells Fargos legal counsel, XXXX XXXX, implicitly acknowledged the bank 's error by offering a partial settlement of {$1500.00} which I rejected and then {$3000.00} which I also rejected since Wells Fargo conditioned this return on a general liability release and an agreement to reverse the offset credit against the judgments. Wells Fargo also conditioned the release upon my agreeing to receive a W-9 which I also refused. This was a return of my money which was illegally taken, not income! I refused to waive my rights regarding their illegal banking practices. I am seeking regulatory enforcement action against Wells Fargo for unfair and deceptive practices, a full return of my seized funds, and appropriate statutory damages.

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 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am disputing inaccurate late payment reporting on an open account. The creditor is reporting late payments that are not accurate and/or have not been properly verified. I previously contacted the furnisher regarding these late payments, but the inaccurate information continues to be reported. This reporting is negatively impacting my credit profile and appears to be a violation of the Fair Credit Reporting Act ( FCRA ), which requires information to be accurate, complete, and verifiable. XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1900.00} XXXX XXXX ( Original Creditor : XXXX ) # XXXX XX/XX/XXXX -- {$5400.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$390.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2026-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
woke up on XX/XX/year> at XXXX XXXX, I check my phone and I have a notifications from paypal. the notifications were for a code to sign in and 3 purchases of XXXX, XXXX, and XXXX, the product were games from this game llc. all around XXXX XXXX. I quickly go to my paypal app and lock and secure my account. someone had gained access to my email and signed in through my email. the emails then were instantly delated and I could not get them back.I managed to dispute the XXXX because it was on my paypal credit card but the other two were on my paypal balance. I then tried to dispute the fraud on my account with paypal 4 times, 2 over the phone and two online but all got rejected. this made me so frustrated so I am now here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: ND

Complaint narrative:
Dear Customer Support Team, I am writing to formally request your assistance regarding an unresolved issue with US Bank concerning my closed Secure Savings account. I recently closed my Secure Savings account with US Bank, which had a remaining balance of {$400.00}. To the best of my recollection, I never received the refund check for this amount. Despite making numerous phone calls to US Bank to follow up on this matter, I have received absolutely no response or updates from them. Therefore, I kindly request that you investigate this issue and verify the following : 1. Was the {$400.00} refund check officially issued and mailed to my address? 2. If the check was sent, has it been cashed or deposited? Since I have no record or memory of receiving this check and am unable to get a breakthrough with US Bank 's customer service, I would appreciate your intervention to help resolve this matter and ensure I receive my funds. Thank you for your time, assistance, and prompt attention to this case. I look forward to hearing from you soon. Sincerely, Name : XXXX XXXX Phone : XXXX XXXX XXXX XXXX Mail : XXXX Account number : 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 2026-05-20 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: FL

Complaint narrative:
JPMorgan Chase Bank processed unauthorized payments totaling {$1600.00} from my account. These transactions were made using checks issued under my name ; however, I never requested, received, or authorized any checkbook from the bank. I consider these transactions fraudulent and unauthorized. I respectfully request a full investigation into this matter, reimbursement of the unauthorized charges, and clarification as to how checks were issued without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: NJ

Complaint narrative:
At XXXX XX/XX/year> i received email about a chime account is opened. Then at XXXX the chime credit card has been shipped to my actual address, but its ready immediately for use digitally. I called chime at XXXX fraud line. They asked for my full name, email address, date of birth. Then proceeded to say that this information was not enough to continue investigation. I asked well someone opened this account and its not me. She said theres nothing else i can do. I said well someone can just start spending money with this card digitally. She said i understand your concern but cant move any further with information provided. I asked to speak with someone else about the situation and she said we cant do anything and hanged up. I tried logging in this account it is under my XXXX email address and its sending verification code to a totally different number. It says the login was from XXXX, NJ on a XXXX phone last 4 digitsXXXX. I have froze my credit from the 3 major bureaus and filed fraud report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
Loan process was going smoothly until the vehicle burnt to the ground on XX/XX/XXXX. Notified the loan owner, Truist Financial and started the insurance claim process and XXXX insurance process. Myself and step-son, borrower and co-borrower ceased payments at that time believing that pay-off and claim processing would be quick. Not true.on XX/XX/XXXX, Truit received and processed the primary insurance check for {$61000.00} ; however, neither myself nor the co-borrower received a payment record on our credit reports ( both of us were showing as 30 days behind, The XXXX insurance process through Protective was more than cumbersome and additional time was taken in order to satisfy their ridiculous demands. Finally, Truist received the XXXX settlement check, which was cashed on XX/XX/XXXX in the amount of {$5400.00}. As of was monitoring the status of the loan and pay-offs, I had to contact the XXXX insurer in order to find out the amount and date of cashing because on XX/XX/XXXX, when I called, the loan was still not closed out. During my more than 40 minute call involving their first line person, and their escalated people - people, none could find the check or its cashing or its application to the balance- in fact, I was told it takes 10 business days for things to catch up. On XX/XX/XXXX I called again to verify that the amount had been applied to the outstanding balance, another 40 minute call got be to a XXXX specialist, who finally said the payment had been sent to the wrong address and it will be credited shortly. While all of this was going on, my normal payment for my wife and my loan was going through a re-fi and I made a payment towards our account not knowing when that loan payment-off would clear. During that second call, it was discovered that the payment for my truck had been applied to the loan as well. Eventually the loan was closed out by Truist ; however, I received a check from the over payment to my loan made payable to my step-son and my loan for ~ {$700.00} less than the original payment on a check dated XX/XX/XXXX. The loan in question had no payments and my credit was diving due to their inability to process and credit the XXXX payment-even though the loan had received a payment on XX/XX/XXXX and XX/XX/XXXX. Neither my step-son, nor myself have received a statement showing when the XXXX check was applied ( XXXX or XX/XX/XXXX ), how much in fees/interest was charged - in fact, they terminated my step-sons access to the website.

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 2026-05-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Netspend Corporation
State: IL

Complaint narrative:
Netspend restricted access to my prepaid card funds after I deposited over {$150.00} on XX/XX/XXXX and requested identity verification documents only after funding the account. When attempting to submit the requested documents through their system, the upload page returns an error not found message, preventing me from completing verification and accessing my money. I have attempted to resolve this issue through their platform but can not submit the required documents due to their broken verification link/system.

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
b'I am submitting this complaint as a formal escalation regarding misapplied and unaccounted payments tied to my cancelled American Express credit card No. XXXX XXXX.\nThis complaint supplements my prior filings and is based on new information provided by American Express in their response dated XXXX XXXX XXXX (Reference No. XXXX), which I am attaching.\nAmerican Express states that payments in the amounts of USD XXXX (XXXX XXXX XXXX) and USD XXXX (XXXX XXXX XXXX) were processed through XXXX XXXX XXXX XXXX XXXX XXXX and credited to a third party identified as XXXX XXXX XXXX.\nThese payments originated from my investment account at XXXX XXXX (Account No. XXXX), where they were debited specifically to satisfy my American Express credit card obligations.\nCritically:\nThese payments were authorized solely for the purpose of paying my American Express account.\nThey were successfully debited from my XXXX account.\nThey were never credited to my American Express account.\nAmerican Express has now confirmed they were redirected to a third party.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America wanted to make a payment plan for the amount owed from XXXX owed to XXXX of the amount on XX/XX/year> at around XXXX. My contention is this creates a taxable event to the IRS. Customer service denied a XXXX would be sent and insisted no documentation would be sent to the IRS nor myself if the offer was finalized. They also refused to offer any written documentation of the offer for consideration. I believe BoA is complicit in tax fraud and a complaint to the IRS will be submitted.

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 2026-05-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To whom it may concern, I made 2 transaction on XX/XX/XXXX XXXX for {$68.00} and the other one XXXX Then I decided to transfer to the 4 payment plan chase offered I also added a previous transaction that I made on XX/XX/XXXX for {$160.00} The bank reverse everything and my balance was {$410.00} I had new transactions total of {$300.00} Wich supposed to leave in my count XXXX. Whoever after reversing the 3 transaction and made blue ( which means deposit ) the funds charges of {$68.00} and {$54.00} back were immediately charged back. ( In red which means withdraw ) And same time the 3 charges was added to my payment plan balance When I called and told them that thy had charged me, reversed, and charged me back XXXX the customer service try to delete numbers. She didn't know that I was looking at my count talking to her and also Sunday when I first realized their mistake, I took photos. When I told her all that and practically fight with her to have a supervisor she put the numbers back. ( Which is why in the photo same transaction made same day XXXX apart and was next to each other are now appart separate by few other transactions made a few days later. The superviso r XXXX XXXX, also was trying to bullied me to accept some boogie explanation not making sense Also few months ago I was scammed by a online store. Chase defended the perpeter and helped her to keep my money Couple months later he was all over the net that XXXX is bag was one of the biggest scammed. Meantime I lost {$100.00}. Alot is happening, but no one gives me money, I literally work 16 hrs a day And have my own bank instead of protecting me help scamer to ripped me off and lied to my face bullied unpleasant to ripped me of them self is a shame in 21 century Kindly help me to have XXXX give back what they toke. Not right. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
A few days ago, I received a letter from you stating that you have ceased investigation of my credit reports because you claim I may have used a third-party credit repair agency. This assertion is irrelevant and unlawful. The Fair Credit Reporting Act ( FCRA ) does not permit a credit reporting agency to deny or delay a consumers dispute rights based on speculation about third-party involvement. Your refusal to investigate is nothing more than a stall tactic designed to improperly extend your compliance period, and it constitutes a direct violation of federal law. Despite my previous disputes, unverifiable accounts, inquiries and personal information are still reporting on my credit report causing ongoing harm, including lowered credit scores, denial of credit, and reputational damage. This conduct demonstrates willful noncompliance under 1681n, exposing the bureau to statutory and punitive damages.

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 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I found a listing online for a XXXX XXXX. The dude wanted me to pay him on Chime. He said he was gon na ship it so I paid him. He then told me that I needed to pay around XXXX bucks for shipping. Then I realized i was eating scammed and tried to get him to send the money back. He said no refunds, and blocked me on the chime app.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited two checks written to me from my wife 's XXXX account into my Wells Fargo checking account on XXXX each for {$6000.00} ( ck # XXXX and XXXX ), for a total of {$12000.00}. When I deposited the checks I asked to pay my Wells Fargo credit card account for {$3900.00} and deposit the balance of {$8000.00}. They paid the credit card and told me the balance would be available after midnight on XXXX. Wells only credited my account {$2000.00} and it only became available on XXXX. They told me the other {$6000.00} did not go through due to insufficient funds at my wife 's XXXX account. This was impossible because we got the money from our XXXX account and double checked that the entire amount was available BEFORE I went to the Wells branch to make the deposits. I showed the assistant manager at Wells, XXXX XXXX XXXX a copy of my wife 's XXXX statement showing that BOTH the {$6000.00} checks had been paid on the same day at virtually the same exact time to Wells Fargo. The manager ( XXXX XXXX ) at Wells told me they would attempt to resubmit the checks on XXXX. I told her the check would not be paid by XXXX because the funds were already paid out oXXXX XXXX, but to no avail. I asked XXXX XXXX if Wells was holding the cash or the check itself before I left, but I didn't get a clear answer, only that they would put the check through again on XXXX. So now my account is overdrawn and I have no money, only credit cards as I'm retired.

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 2026-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX an impersonator went to a Chase location in XXXX and cashed 3 checks : XXXX for {$1600.00} and the other for {$960.00} per the fraud dept they provided my NJ License. I filed a claim and days after I received the money back at the same time a new acct was opened due to the acct being compromised. Days after 3 more checks were presented to the old acct. I was informed by the manager even though the acct was closed they can still charge my new acct for transaction from the old acct which it makes no sense. Submitted another claim. On XX/XX/XXXX my acct was locked my chase I called and I learned someone was attempting to make a mobile deposit that when I knew my acct was hacked. Called Chase and they spoke to me if I was a criminal, called them a few times but nobody was able to help me except a lady by the name of XXXX and the supervisor from that dept. I begged them to check the cameras, filed a police report because I need my {$5000.00} back that they took but I was told there is nothing they can do and hung up on me. Im getting so sick. I cant sleep and this has make me so upset, accusing me of something I have nothing to do with. Please I need your help

Company response to consumer: Closed with explanation