vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 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:
Brief Summary of Complaint On XX/XX/XXXX, a deposit in the amount of {$23000.00} was made to my Wells Fargo account. On XX/XX/XXXX, Wells Fargo froze this deposit and closed two business checking accounts and one personal account without prior notice. That same day, I visited a Wells Fargo branch and worked directly with a banker to verify my account information. The banker contacted the Wells Fargo fraud department, advocated on my behalf, and requested escalation to a manager. I was informed that the accounts were frozen because the deposit was allegedly made under the wrong name. On XX/XX/XXXX, I contacted my customer regarding the issue. The customer provided documentation showing that the payment was issued to a DBA that is on file and associated with my Wells Fargo account. Also on XX/XX/XXXX, I contacted the Wells Fargo fraud department again and escalated the matter to another manager. After reviewing the case, the manager confirmed that the payment name matched one of the DBAs on the account and acknowledged that the funds should not have been frozen. The manager attempted to unfreeze the funds but was unable to do so. As of today, the funds remain frozen. As a result of Wells Fargos error, my small business account is now negative, vendor payments have failed, payroll has been impacted, and my business relationship with my customer has been damaged.

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 2026-05-21 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: CA

Complaint narrative:
I disputed several unauthorized XXXX transactions totaling {$730.00} from my Bank of America account. Bank of America initially issued a temporary credit during the investigation, but later denied my claim and stated that the transactions were authorized. I believe the investigation was incomplete because the merchant evidence contains multiple inconsistencies that do not match my personal information. The XXXX account used an email address that does not belong to me, an address that is not my residence, and a recipient account that I do not own or control. I also informed the bank that I previously reported suspicious activity related to this account and that the merchant had reportedly changed names before. The merchant relied mainly on device and XXXX XXXX information, but this does not conclusively prove that I personally authorized the transactions. I submitted supporting documents and annotations showing the mismatched email address, address, and account information, but Bank of America still denied the dispute without adequately addressing these inconsistencies. I am requesting assistance because I believe the dispute was not properly investigated under electronic funds transfer protections.

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 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CT

Complaint narrative:
My Cash App account was abruptly deactivated for an alleged Terms of Service violation. I believe this deactivation is an error and a false-positive flag triggered by an automated system. I have held this account since XXXX and have consistently maintained it in good standing, using it strictly for ordinary peer-to-peer transactions with close friends and family members. I have attempted to resolve this issue through Cash Apps in-app support chat and formal appeal process more than three times. Each time, my requests for clarification were met with generic, automated template rejections that failed to provide a specific reason for the closure or grant me a manual human review. I have never intentionally or knowingly violated any policies, nor have I permitted any unauthorized access to my account. Because standard customer support routes have been entirely exhausted and automated appeals are being closed without human consideration, I am filing this complaint to request that Cash App conduct a formal manual compliance review of my transaction history, correct this automated error, and reinstate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: MS

Complaint narrative:
Im writing to file a complaint against [ Collection Agency Name ] for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: TX

Complaint narrative:
Formal Complaint Fraud-Induced Wire Transfer / Failure to Investigate/ Crypto Scam Loss To Whom It May Concern, I am submitting this formal complaint regarding a fraudulent wire transfer scam that resulted in significant financial loss and the failure of both my bank and involved parties to properly investigate or assist after I reported the fraud. I was the victim of a cryptocurrency-related scam in which I was manipulated, intimidated, and pressured into wiring money from my bank account to Kraken under false pretenses. I believed I was acting under legitimate circumstances, but I later discovered that I had been deceived and that the funds were ultimately transferred to fraudulent wallet addresses connected to scammers. As soon as I realized I had been scammed, I immediately reported the matter to my bank and disputed the wire transfer. However, my bank denied my dispute and stated they do not dispute wire transfers of this nature, despite the fact that this transaction was induced through fraud, coercion, and deception. I believe my bank failed to conduct a proper investigation into the fraudulent circumstances surrounding this transfer and did not reasonably review my fraud claim. Additionally, Kraken facilitated the transfer of funds that were later moved to suspicious or fraudulent wallet addresses. After reporting the scam and requesting assistance, I received little to no meaningful support in tracing, freezing, escalating, or helping investigate the suspicious transactions. Despite my efforts to provide transaction details and wallet information, I was unable to obtain adequate assistance. I have reported this matter through multiple channels and attempted every reasonable effort to recover my money, but I have received no meaningful resolution. I respectfully request CFPB to investigate the following : 1. My banks failure to reasonably investigate a fraud-induced wire transfer dispute. 2. Whether proper fraud, escalation, and consumer protection procedures were followed after I reported being scammed. 3. The denial of my dispute despite evidence of coercion, deception, and fraudulent activity. 4. Whether adequate action was taken after suspicious crypto-related transfers were reported. 5. Any available remedies for recovery of my funds and accountability for all parties involved. I am prepared to provide supporting evidence, including wire transfer records, bank dispute denial letters, transaction IDs, wallet addresses, screenshots, communications, and details of the platforms involved. This financial loss has caused serious hardship, distress, and significant damage to my financial stability. I respectfully request a full review, investigation, and appropriate corrective action. Sincerely, 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 2026-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I mailed a written dispute and validation request regarding an alleged deficiency balance arising from a repossessed Santander XXXX XXXX vehicle account. USPS records confirm XXXX XXXX XXXX XXXX XXXX received the dispute on XX/XX/year>. My dispute requested validation of the debt, proof of assignment, chain of title, and documentation establishing XXXX XXXX 's authority to collect. Instead of responding to the dispute and providing validation, XXXX XXXX filed a lawsuit against me in XXXX XXXX XXXX XXXX on XX/XX/year>, seeking {$9900.00}. Attached you will find all proof of claim. After learning of the lawsuit, I mailed additional notices to both XXXX XXXX and its attorney on XX/XX/year>. No substantive validation response was provided. I request investigation into : Failure to adequately respond to a written dispute Collection litigation while the debt remained disputed Failure to provide documentation supporting ownership and authority to collect Failure to provide an accounting supporting the alleged deficiency balance I request that XXXX XXXX provide complete validation and supporting documentation and correct any inaccurate information furnished regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: ND

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX Block, Inc. ( Cash App ) abruptly and permanently deactivated my fully verified account. The company provided no explanation other than a generic notice stating I violated their " Terms of Service, '' but they have refused to provide any specific details or clarify what action supposedly triggered this. Because I have used my account entirely within normal guidelines, I believe this closure was the result of an erroneous automated system flag or a technical glitch on their platform. While Block, Inc. did allow me to withdraw my remaining cash balance, they have completely cut off my access to my financial transaction history and necessary tax records. As a user of Cash App 's platform, I have an essential requirement to access my historical statements and tax documents, specifically the last three years of my Federal tax returns for legal and federal reporting purposes. By completely locking my login access and failing to provide an alternative method to download my financial data, Block , Inc. is actively preventing me from fulfilling my tax obligations and maintaining accurate financial records. This total lack of due process and sudden denial of access to my own legal tax data represents an unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I completed an application for an income driven repayment on XX/XX/year>XXXX on XXXX. The application is complete and I got a new repayment amount of {$270.00} a month. I am able to pay that and prepare to start paying and take my loans out of deferment. However, my loan servicer, mohela, id not acknowledging the XXXX a month and instead saying that I take my loans out of deferment I have to pay {$3400.00} a month. I dont understand where theyre getting that number from. I submitted feedback with student aid.gov on XX/XX/XXXX, and I have yet to hear anything. First week of XXXX I called XXXX XXXX to escalate the matter, and they refuse to do so, and they also stated that they would not be able to give me a timeframe on when I would get an answer and I would get an answer whenever I get one.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-21 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: GA

Complaint narrative:
I am submitting this complaint regarding Chimes handling of multiple unauthorized transactions and disputes on my account totaling approximately {$690.00}. Beginning in XX/XX/year>XXXX and continuing into XX/XX/year>, my account experienced a pattern of suspicious and unauthorized activity involving multiple merchants, including XXXX XXXX XXXX XXXX ( {$87.00} on XX/XX/year>XXXX ), XXXX ( {$34.00} on XX/XX/year>XXXX ), XXXX ( {$13.00} on XX/XX/year>XXXX ), XXXX XXXX XXXX ( {$77.00} on XX/XX/year>XXXX ), XXXX XXXX ( {$170.00} on XX/XX/year> ), XXXX XXXX ( {$170.00} on XX/XX/year>XXXX ), XXXX ( {$16.00} on XX/XX/year> ), XXXX XXXX ( {$32.00} on XX/XX/year> ), XXXX ( {$27.00} on XX/XX/year>XXXX ), and XXXX XXXX ( {$48.00} on XX/XX/year>XXXX ). These transactions occurred in clustered patterns over short periods of time and were inconsistent with my normal account behavior and spending patterns. I did not authorize these purchases, did not provide permission for another person to use my account or card, and did not benefit from the disputed transactions. After discovering the unauthorized activity, I promptly disputed the transactions with Chime, secured my account, and later submitted appeals along with a police report documenting the fraudulent activity. Chime denied both the original disputes and the appeals. I requested copies of the documentation and evidence relied upon in reaching these determinations. The materials provided referenced categories such as transaction processing details, login and authentication history, device usage data, fraud alert responses, and account activity history. However, the materials did not include meaningful evidence demonstrating that I personally authorized or conducted the disputed transactions. Additionally, I do not recall receiving fraud alerts regarding these disputed transactions and therefore could not respond to or verify activity that I was unaware of at the time. Despite the additional documentation submitted during the appeal process, including a police report, the appeals were denied in less than 24 hours, raising concerns regarding whether the disputes received a meaningful or reasonably thorough review. During this same general timeframe, I also experienced suspicious account-related activity involving other financial platforms, including unfamiliar login verification activity and additional unauthorized transactions, further supporting my concern that my financial information and/or account credentials had been compromised. I am concerned that Chime failed to conduct a reasonable investigation into these unauthorized electronic fund transfers as required under the Electronic Fund Transfer Act ( Regulation E ). I am requesting reimbursement for the unauthorized transactions and appropriate review of Chimes dispute handling practices related to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing this CFPB complaint regarding inaccurate and incomplete information appearing across my credit files with Experian, TransUnion, and Equifax involving XXXX XXXX XXXX XXXX ( reported as NEGATIVE LATE OPEN ACCOUNT, {$0.00} balance, opened XXXX, last activity XXXXXXXX ), XXXX XXXX XXXX XXXX ( reported as NEGATIVE LATE CLOSED ACCOUNT LINKED TO OPEN STATUS, {$0.00} balance ), XXXXXXXX XXXX XXXX XXXX XXXX ( reported as NEGATIVE LATE OPEN ACCOUNT, {$980.00} balance, opened XXXX ), and XXXX XXXX XXXX XXXXXXXX ( {$440.00} ) and XXXXXXXX XXXX XXXX XXXXXXXX ( {$810.00} ) both reported as NEGATIVE CHARGE-OFF ACCOUNTS, as these items appear inaccurately reported and not fully supported by proper verification, payment history, or complete account-level documentation ; I am requesting separate resolutions for each bureau requiring ( 1 ) Experian to conduct a full reinvestigation under FCRA 611 and 623 ( b ) with complete disclosure under FCRA 609 for all XXXX and XXXX XXXX accounts and proper correction/update of all LATE OPEN, LATE CLOSED, and CHARGE-OFF reporting, ( 2 ) TransUnion to fully reverify and ensure accurate reporting compliance under FCRA 611, 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 605 ( c ) including accurate DOFD reporting and correction/update of all disputed tradelines, and ( 3 ) Equifax to complete a full reinvestigation under FCRA 611, 623 ( a ) ( 2 ) , 623 ( a ) ( 1 ) ( A ), and 609 ( a ) ( 1 ) ensuring all NEGATIVE LATE OPEN, LATE CLOSED, AND CHARGE-OFF ITEMS are properly verified, updated, and supported by complete documentation.

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 2026-05-21 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: CA

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of my debit card dispute claim involving a transaction of {$580.00}. I disputed the transaction because I do not believe it was properly authorized. I contacted Bank of America multiple times and requested reinvestigation of the claim. I also requested copies of the merchant evidence and records used to determine that the transaction was authorized. Despite multiple requests, Bank of America denied my dispute and informed me that the provisional credit would be removed on XX/XX/year>. However, the bank did not provide sufficient supporting documentation explaining how authorization was confirmed. I requested information including merchant records, authorization details, IP address information, digital wallet or XXXX XXXX verification records, shipping information, and investigation documents. I believe the investigation may have been incomplete. I am requesting : - A full review of the dispute - Copies of all supporting evidence and investigation records- Clarification regarding how the transaction was determined to be authorized I continue to dispute responsibility for this transaction. Claim 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 2026-05-21 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: WI

Complaint narrative:
I am disputing unauthorized out-of-network ATM withdrawals from my Chime checking account totaling approximately {$850.00}. The disputed transactions occurred on XX/XX/XXXX. I immediately reported the transactions to Chime and filed disputes for the unauthorized withdrawals. I provided substantial supporting evidence, including : - Police reports- A written statement from the store owner confirming I was not the individual involved - Additional supporting documentation and screenshots Despite this evidence, Chime denied my original disputes. I reopened the claims because I do not believe a reasonable investigation was conducted before the denial. These transactions were unauthorized electronic fund transfers. I am requesting a full reinvestigation under Regulation E and the Electronic Fund Transfer Act. I am requesting : - A proper review of all submitted evidence - Copies of the evidence used to deny my disputes - Reimbursement for the unauthorized withdrawals if confirmed fraudulent - A written explanation of the investigation findings Dispute numbers : - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America committed fraud. There were two court orders from two different judges one dismissing the foreclosure case because Bank of America could not produce the note with the mortgage when it was transferred. Most importantly XXXX XXXX wanted to know how did Bank of America get a mortgage transfer from XXXX XXXX lenders if XXXX XXXX lenders were closed since XXXX. XXXX XXXX stated to attach his decision to any motions in the future that Bank of America decides to put in with the court. Bank of America blatantly this regarded that part of the order and got a judgment of foreclosure from XXXX XXXX. After getting the judgment Bank of America put my house up for sale twice and forced me into signing a loan modification so my house would not go up for sale. After getting a loan modification they conveniently requested that the judgment for foreclosure be vacated. However XXXX XXXX told Bank of America not to charge me attorney fees but of course Bank of America conveniently disregarded that too. I am attaching all documents to prove what I'm saying is true, I'm also attaching the link to the court case. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Then I sent Bank of America XXXX XXXX XXXX an email stating to please correct these errors and to do the right thing however I got a call from his secretary that stated they have not owned the loan since XXXX I'm attaching a letter that the CEO secretary sent me. If Bank of America did not own my loan as the secretary claimed in this letter. claims why did Bank of America file for foreclosure and put my house up for sale twice that forced me into signing a modified loan. Everyone in today 's economy is struggling but doing things like forging mortgage documents filing for foreclosure and then putting houses up for sale that doesn't belong to the, is not right. I'm sure that the government made laws against people doing that what makes Bank of America better than the law?

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