vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited {$610.00} into my bank account on XX/XX/year> and first it showed up in the account ; I then paid my par payment, and got boba, and then spent some money at the bar playing a game and now all the sudden the deposit has disappeared. Theres no history in my banking app of the deposit and now my account is negative over {$300.00}. This is the SECOND time they have done this and there is PROOF if they watch the cameras. First time this happened I was negative {$600.00} and they stole my money. The fraud team first refunded me after 10 days ( business days ) and then a month later they then chargebacked my account stealing it again! And then with no communication they went ahead and just closed the account. They didnt fix the issue, they just made the account disappear. I dont want to go through that again. Wells Fargo bank is stealing from me and I barely make enough to get by as is. I dont need a XXXX dollar company XXXX with my funds. Now I cant buy food, I cant get gas. My whole life is messed with right now.

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 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX To Whom It May Concern, Re : Debt Validation Request Account / Identification Number : XXXX I am responding to your attempt to collect the alleged debt referenced above. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, and Regulation F under the Consumer Financial Protection Bureau rules, I am requesting full validation of this alleged debt. This is not a refusal to pay. This is a formal request for verification and validation. Please provide the following : 1. Proof that I legally owe this debt. 2. The name and address of the original creditor. 3. A complete itemization of the alleged amount owed. 4. Copies of any signed agreement or contract bearing my signature. 5. Proof that your company has legal authority to collect this debt. 6. Documentation showing the chain of assignment or transfer of the debt. 7. Proof that the debt amount is accurate and legally enforceable. Under federal law, collection activity must cease until proper validation is provided. If you can not provide competent evidence validating this debt, you must stop reporting this account to any credit reporting agency and request deletion of all related negative information from my credit reports. If this account is currently being reported to any consumer reporting agency without proper validation, I dispute the accuracy of the reporting. Please communicate with me in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I am filing this complaint against XXXX regarding their investigation of a dispute for my VyStar Credit Union account ( Account # XXXX ). On XX/XX/year>, XXXX completed their investigation ( Report # XXXX ) and stated the information was " Verified and Updated. '' However, the core information I disputed remains inaccurate. I believe the data furnisher failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). I formally disputed this item with XXXX. I provided information to prove the information was incorrect. XXXX returned the results on XX/XX/year>, claiming the information is accurate, but the error persists on my 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 explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
This is a follow-up to CFPB case XXXX XXXXXXXX Requesting reconsideration and reopening based on new rebuttal evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: WI

Complaint narrative:
I entered into a contract with XXXX for dental aligners to fix some crooked teeth. The contract signed said that if I took the necessary pictures and followed the program that I could get lifetime adjustments if the program did not correct my teeth. I followed the program, took the necessary pictures, and still needed more aligners to extend my program as they were not effective in doing what they promised. While I was waiting for my for my extended program, XXXX went bankrupt and did not complete their commitment. They sent the money owed to XXXX XXXX, which hounded me for payment before sending to XXXX. I do not think that the money is owed as the services and products were not given, in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
This company by the name of waypoint is a debt collector. They are only allowed by law to call every 7 days and they call me everyday. Also, they are not saying who they are or why they call its just silent. I will be submitting information to my attorney as well to take legal action. Quick note : the company keeps spoofing their number I have proof in the picture.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied for XXXX different subscriptions, they were both declined, and I had sufficient available funds at the time of transactions. I believe these payments were declined in retaliation for a complaint I made against company. When I called and asked why they couldn't give me a clear answer. The first decline was on XX/XX/year>. The second was XX/XX/year>. Plus there was no notice on my account of the the declines only found out by vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: Klarna AB
State: MO

Complaint narrative:
To Klarna Fraud & Account Security : I am formally disputing multiple unauthorized transactions made through my Klarna account after my phone was stolen. Four XXXX transactions and one XXXX XXXX transaction were created without my authorization. All charges were paid by my bank before I discovered the fraud. I notified Klarna on XX/XX/year> and requested immediate investigation, refunds, and device blocking. To date, no refunds have been issued, the fraudulent balances still appear as owed, and Klarna continues billing me for transactions I did not authorize. Klarna has failed to comply with its obligations under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ), which requires prompt investigation, provisional credit, written findings, and prevention of further unauthorized access. Klarna has also failed to comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ) by continuing to report or maintain fraudulent balances. Customer service has been unable to assist, escalation requests have been ignored, and no fraud specialist has contacted me. Klarna has also failed to block the unauthorized device used to make these transactions. I demand immediate action : Full refund of all four XXXX transactions. Full refund of the remaining XXXX balance. Closure of all fraudulent orders. Written confirmation that no negative reporting will occur. Blocking of the unauthorized device. Written results of Klarnas fraud investigation. Correction of all balances to {$0.00} for fraudulent orders. If Klarna fails to resolve this immediately, I will escalate to the CFPB, my banks fraud department, and the state Attorney General for enforcement of EFTA and FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding a significant processing error involving a check Chase paid on XX/XX/year>. Summary of the Issue 1. The check in question was written on a closed Chase checking account. 2. A stop payment order had been placed on that check at the time. The check was a year old. 3. Despite both conditions, Chase processed the check and withdrew the funds from a different active checking account of mine. 4. This is a clear violation of standard check processing procedures and contradicts the protections afforded under UCC 4 403 and 4 401. Requested Resolution I requested the following : 1. A written explanation of how this error occurred. 2. A formal correction to my account records reflecting that this was a Chase processing error. 3. A courtesy credit for the time, effort, and inconvenience caused by Chases failure to properly block the check and reject it as drawn on a closed account. I expected this matter to be escalated to the Back Office Check Exceptions Department for full review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently disputed a BMO BANK NA account ( Acct # XXXX ) with XXXX ( Report # XXXX ). Despite my dispute, XXXX verified the account as a XXXX XXXX ' with a {$1300.00} balance. I disagree with this verification because the account was settled. XXXX has failed to correct this inaccurate information which is severely harming my credit score.

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 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
A male approached me on XXXX XXXX XX/XX/year>, stated he was fashion designer for XXXX XXXX stated he was XXXX XXXX. Traveled frequently abroad XXXX, XXXX. Befriend me eventually started having cash flow problems asked for my help. I explained to him my situation XXXX fixed income, and senior citizen. He insisted he would repay double also provided contracts. When the person supposed to have returned home when ever I inquired about the loan, he became irrate Called me delusional. I hired a private detective. We found out the individual was using someone else 's identity/fake name. He went by the name of XXXX XXXX XXXX said he didn't have cash app but friends who would exchange the money for him. I was scammed XXXX transactions and XXXX dollars total. XXXX XXXX The name above appeared in XXXX of the pieces of evidence the XXXX presented. XXXX XXXX XXXX XXXX account was provided by the perpetrator. Our conclusion is that XXXX XXXX is potentially another victim, and their bank accounts may have been used by the perpetrator as a money mule to launder assets allegedly stolen from the Client and potentially other victims. XXXX XXXX XXXX XXXX XXXX Cash App ( Block , Inc. ) Total Amount Deposited US {$1000.00}. CONFIDENTIAL XXXX The name above appeared in XXXX of the pieces of evidence the Client presented. XXXX XXXX XXXX account was provided by the perpetrator. Our conclusion is that XXXX XXXX is potentially another victim, and their bank accounts may have been used by the perpetrator as a money mule to launder assets allegedly stolen from the XXXX and potentially other victims. XXXX XXXX XXXX XXXX XXXX Cash App ( Block , Inc. ) Total Amount Deposited US {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
What happened : I am the owner of XXXX. XXXX, a commercial customer of Atlantic Union Bank. In XX/XX/XXXX, XXXX counterfeit checks totaling {$3700.00} were fraudulently charged against our account and paid by Atlantic Union Bank. The checks were fabricated by an unknown third party and deposited into accounts at XXXX XXXX XXXX. The fraudulent transactions were : Check # XXXX, {$950.00}, XXXX XXXX XXXX, posted XX/XX/XXXX Check # XXXX, {$970.00}, XXXX XXXX XXXX, posted XX/XX/XXXX Check # XXXX, {$890.00}, XXXX XXXX XXXX, posted XX/XX/XXXX Check # XXXX, {$890.00}, XXXX XXXX XXXX, posted XX/XX/XXXX The fraud was discovered XX/XX/XXXX, while reconciling the XXXX account. It was reported to Atlantic Union Bank in person the same day. A police report was filed that week ( XXXX XXXX. XXXX ). A fraud affidavit was signed and provided to the bank on XX/XX/XXXX. This reporting was well within the XXXX window from statement issuance. Atlantic Union Bank submitted hold harmless claims to XXXX XXXX, which were denied on XX/XX/XXXX due to insufficient remaining funds. Atlantic Union Bank has since refused to reimburse XXXX. XXXX, citing the deposit account agreement 's general fraud loss allocation language. We believe the bank failed to exercise ordinary care in processing these transactions for the following reasons : Atlantic Union Bank paid XXXX separate checks bearing check number XXXX within XXXX days of each other ( XX/XX/XXXX and XX/XX/XXXX ), and XXXX separate checks bearing check number XXXX within 26 days of each other ( XX/XX/XXXX and XX/XX/XXXX ). Duplicate check number detection is a standard banking control. The bank cleared fraudulent instruments bearing already-used check numbers without flagging the duplicates. The XXXX XXXX XXXX checks ( XXXX and XXXX ) were numbered approximately XXXX checks ahead of the sequence our business was actively issuing a known indicator of counterfeit activity. XXXX checks for identical amounts ( {$890.00} each ) cleared on the same day to the same unfamiliar payee. All XXXX fraudulent checks bear a visible oval security marking that does not appear on our legitimate checks a physical discrepancy detectable upon inspection. Despite multiple written requests ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), the bank did not provide a substantive written response until XX/XX/XXXX, and has declined to reimburse our account. The bank 's position is that its deposit agreement shifts all unrecoverable fraud losses to the customer. However, the same agreement contains an express carve-out preserving customer rights where bank negligence contributed to the loss. We believe the bank 's processing failures described above constitute exactly that negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
Thank you for the response and supporting materials. However, several portions of my original complaint remain unresolved. My request was not simply for a collection of servicing documents, but for substantive responses to the specific terms outlined in my complaint. In particular, I still have not received : A plain-language, itemized explanation of how the {$55000.00} balance was calculated. A clear response regarding whether call recordings or servicing notes substantiate my claim. I need an explanation of the $ XXXX ; I believe this wasn't clearly explained in any phone call. Please review those and provide them to me. A meaningful determination addressing my concern that the practical implications of the partial claim were not clearly communicated during repeated servicing conversations. My concerns are not solely whether disclosures existed within the paperwork, but whether the structure, magnitude, and payoff consequences of the obligation were meaningfully communicated in practice over the course of many direct interactions with servicing representatives. I proceeded with the sale under the understanding that the deferred amounts had been added to the back of the mortgage ( literal words from your reps ) and did not appreciate that a separate payoff obligation of this magnitude would substantially reduce the proceeds available to me. I respectfully request written responses to the unresolved items above, including a detailed accounting of the calculation of the partial claim balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
So Im a normal customer to Chime. Ive been with chime for maybe XXXX XXXXXXXX XXXX XXXX. Everything was good. I get all my checks through Chime. One day pacifically XX/XX/year> at XXXX am while I was asleep. I woke up at XXXX am to see my check see how much I made like a normal process but when i looked I had XXXX dollars to my name! There was a total of XXXX transactions going to XXXX! I first called chimes to see what was wrong and what happen. They basically told me they couldnt do anything at all until all the XXXX transactions went through and wasnt pending. Once they went all the way through then all they did was open a dispute. XXXX days later they denied my dispute for absolutely no reason!!!! Im in the right here I got robbed and no one can even attempt to help me!!!! I got proof from XXXX that my account never got that money! I tired talking to the investigators from chime but chime supervisor told me thats wasnt an option. Which makes no sense. I didnt have a fair trial they just doing that they think. Not what is right! I jusy want my money back and Ill Personally stay away from chime its way too much issues. And my money isnt safe on there. I personally scared to use chime anymore!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, my debit card was used without my authorization as part of a coordinated multi-state business registration fraud scheme. Within approximately one hour, charges were attempted at XXXX XXXX XXXX offices in Florida, Tennessee, and North Carolina. The following settled without my authorization : {$100.00} to the Tennessee XXXXXXXX XXXX XXXXXXXX. Additional charges were declined only because my account was drained. I filed a dispute on XX/XX/year>. On XX/XX/year>, Chime denied the dispute stating no billing error occurred with no reason code and no explanation of their investigation findings. This is my second CFPB complaint related to the same fraud event. My first complaint was filed on XX/XX/year> for {$280.00} in related unauthorized charges to the Florida XXXX XXXX XXXX, which Chime also denied without explanation. Combined total denied : {$380.00}. Chime has twice denied disputes stemming from the same fraud event using identical boilerplate language, with no substantive investigation findings provided in either case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am writing to dispute a charged-off account being reported on my credit report. The account is being reported without sufficient information for me to properly verify its accuracy and ownership. I request that you conduct a thorough investigation into this account, including verification of the account number, payment history, date of first delinquency, and all records associated with the reporting of this account. At this time, I have concerns regarding the completeness and accuracy of the information being furnished to the credit bureaus. Without proper verification and documentation, I can not confirm the validity of this alleged debt. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that all information reported be fully investigated and verified. If the account can not be accurately verified, I request that it be corrected or removed from my credit reports immediately. This account is negatively impacting my ability to qualify for credit and is causing ongoing financial hardship. I respectfully request a timely response and resolution to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because my credit report contains multiple unauthorized and unverified hard inquiries that I did not initiate, authorize, or consent to, and which are being reported without a valid permissible purpose in violation of the Fair Credit Reporting Act, including 15 U.S.C. 1681b ( permissible purposes of consumer reports ), 15 U.S.C. 1681s2 ( responsibilities of furnishers ), 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ) ( prohibition against reporting inquiries for transactions not initiated by the consumer ), and 15 U.S.C. 1681n ( b ) ( liability for obtaining a consumer report under false pretenses ) ; furthermore, despite my request for a reinvestigation pursuant to FCRA 611 ( 15 U.S.C. 1681i ), the credit reporting agency has failed to provide any evidence of signed authorization or a permissible purpose, allowing these inquiries to continue harming my creditworthiness, increasing my risk of identity theft, and necessitating their immediate removal due to the absence of any lawful basis for continued reporting.

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