vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
" I am reporting a deceptive practice regarding my credit card account. I had a verbal agreement with a bank representative to make a payment within two weeks to address a delinquency. I fulfilled this agreement by paying {$120.00} last Saturday and adding more funds yesterday. After these payments, the bank 's system explicitly showed an available balance of {$210.00}. However, today the bank deactivated the card and closed the account, taking the funds I had just paid under the impression they would be available for use. The bank solicited a payment and provided a misleading 'available balance ' only to immediately revoke access once they had my money. I am requesting that the account be reinstated with the {$210.00} balance or that the recent payments be refunded as they were made based on misleading account information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-01-21 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: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
I am submitting this complaint regarding Caine & Weiners attempts to collect and report an alleged balance associated with XXXX. 

I dispute that this debt is owed to Caine & Weiner. The account is currently under dispute with the consumer reporting agencies, and the original creditor continues to accept payment directly. Caine & Weiner has not provided documentation establishing that the debt was sold or assigned to them, nor have they demonstrated authority to collect or report this account independently. 

Because the original creditor retains control of the account and payment acceptance, any continued collection or furnishing of information by Caine & Weiner without proper verification raises concerns regarding accuracy and authority. Reporting an account that can not be fully substantiated or verified during an active dispute is inappropriate. 

I am requesting that Caine & Weiner provide full verification of the alleged debt, including proof of assignment or authorization from the original creditor and an itemized accounting of the balance. If such documentation can not be produced, Caine & Weiner should cease collection activity and stop furnishing information regarding this account. 

I further request that all communication be conducted in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo advertised a checking account bonus requiring a qualifying direct deposit from my employer. I funded the account with my employers check deposit instead of electronic deposit. Wells Fargo is now refusing to honor the bonus despite the funds being legitimate payroll income. 
This distinction was not made clear at account opening, and no reasonable consumer would understand that a payroll check from the same employer would be disqualified. 
I believe this constitutes misleading promotional practices designed to deny bonuses after customers meet the financial intent of the offer. I am requesting payment of the promotional bonus and confirmation that my account is closed with no adverse 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 explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am in debt {$27000.00} do to USAA Federal savings bank, which I was led to believe was a Credit union I have been a member of for 11 years and active checking and savings account for over 2 years. 
USAA has already been told to seize and disist from multiple lawsuits on fraudulent actions to members and bad banking practices to our United States military members. Funds constantly disappear out of account yet every month you can't use your own debit card without contacting them and then sometimes they make you wait 3 days because of alleged suspicious activity. Suddenly they closed my account as if I had done something wrong although I did not. I was contemplating finding a new bank at the time anyway, however I believed that eventually they would become a better credit union, when than I found out that they were not ever a credit union and was not even a bank, they are an automobile association and though they promise the best insurance that is even part of there scam, as they partner with many insurance companies and it's XXXX filing a claim. I advise everyone to stay clear from this company as they are only out to exploit you and give to customers a bad reputation all in deception and slander Please be aware I am currently awaiting payment from a demand letter I sent them. We will see what more it is going to take to close these guys down.

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX mistakenly sent an ACH payroll deposit in the amount of {$3000.00} to an unintended account at JPMorgan Chase Bank , N.A . through XXXX XXXX XXXX XXXX on XX/XX/year>. 

Upon discovering the error, XXXX submitted a formal ACH reversal request ; however, the reversal failed under return code XXXX ( Insufficient Funds ), confirming the funds were received and subsequently withdrawn or transferred by the receiving account holder. 

XXXX XXXX XXXX sent a signed certified demand letter, followed by a second certified final notice of escalation, to JPMorgan Chase Banks XXXX Department requesting assistance with recovery of the erroneous XXXX XXXX pursuant to XXXX Operating XXXX governing erroneous entries. 

JPMorgan Chase Bank has not responded to either demand letter and has not taken action to assist in recovery of the funds. XXXX XXXX XXXX is requesting CFPB assistance to compel Chase to acknowledge the error, contact the receiving account holder, and facilitate the return of the {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Chime Financial Inc
State: AR

Complaint narrative:
Yeah i have chime and slways i usally get payed around XXXX to XXXX on the XXXX wedsday if each month i reaceive XXXX out of XXXX of my checks the XXXX part first then the XXXX  and constaly they have been mis manging my checks there website and XXXX XXXX im geting payed this day bull you go call them they beat around the XXXX and tell you its multiple diffferent days im tired of this i went with this bank for stabilty and they are not stable so done with chime just need both my checks so i can go to a diffrent bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
Cash app was taking alot of money in extra fees from XXXX too XXXX thousands I would like to receive my funds that were fraudulently taken from my acct

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a loan XXXX by submitting my documents to my lender on XX/XX/XXXX. The lender referred me to their counsel to handle the document collection for the modification. All the requested documents were sent to the lender 's counsel and the lender directly. I then contacted the lender 's counsel via email to follow up. There were no updates given until XX/XX/XXXX when we received a letter stating that there was a delay with XXXX and the lender was waiting for their decision. On XX/XX/XXXX we emailed lender 's counsel for an update and received a modification via email. This modification did not include a return envelope for the client to send back, nor were we able to track the envelope. On XX/XX/XXXX the client took the documents we received via email to a local XXXX Fifth Third branch, signed the documents, had them notarized and witnessed. The branch advised the client that they would return the executed modification documents to the correct department. Emails were sent to lender 's counsel to follow up on the documents - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of these emails received responses that the counsel was checking with the lender and would advise. On XX/XX/XXXX lender 's counsel asked for a copy of the executed modification documents, the documents were sent to lender 's counsel on XX/XX/XXXX. On XX/XX/XXXX we received new modification documents and told to go back to the local branch and execute them again. We responded to this email asking for a return envelope to the correct department with a tracking number. XX/XX/XXXX we returned the new documents, executed, to lender 's counsel. Also, the client paid the first trial modification payment at the branch. The check was cashed and then the client received a check from the lender returning her payment. The check was made out to the deceased homeowner when the modification and payment were sent by the successor in interest. We sent an email to the lender 's counsel asking how to pay the modification payment. On XX/XX/XXXX we received an email from lender 's counsel stating that the client will have to re- apply and the modification is closed out. 
Our concerns here are that the modification closed out due to the lender 's and their counsel mistakes. We repeatedly asked about the status of the XXXX with no answer. The client did everything asked of her and there was no communication between the lender, their counsel and their local branches. 
This client is now being denied a XXXX that she qualified for due to the issues on the lender 's end. The client has followed every instruction provided and is still being denied assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: PNC Bank N.A.
State: TX

Complaint narrative:
I am submitting this complaint regarding PNC Banks handling of an unauthorized transaction dispute. 

On or around XX/XX/year>, unauthorized transaction totaling {$1300.00} posted to my account. I did not make or authorize these transactions and did not share my card, PIN, account credentials, or device with anyone. 

I reported the charges promptly after noticing them. PNC initially investigated and later denied the claim, stating that the transactions were authorized. I formally appealed the decision, clearly reaffirming that I did not authorize or participate in the transactions. The appeal was denied again without providing clear evidence showing authorization. 

During the same period, PNC acknowledged unauthorized activity on my account and approved a separate fraud claim for {$140.00}, confirming that my account had been compromised. Despite this, PNC inconsistently denied the larger {$1300.00} charge that occurred during the same timeframe. 

I have consistently maintained that the {$1300.00} transaction was unauthorized. The denial appears to be based on internal assumptions rather than proof of authorization. I am requesting regulatory review of PNCs investigation process and a clear explanation of how this transaction was determined to be authorized despite my repeated denial and acknowledgment of fraud on the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding an interest charge of approximately {$200.00} that posted as a result of a payment that was one day late. I understand that the charge was permitted under the cardmember agreement, and I am not disputing American Expresss contractual authority to assess interest.

That said, my payment history reflects only occasional delays of one to two days, and I have never been materially delinquent. In this instance, the interest assessed for a single-day delay was disproportionately high relative to the minimal lapse involved.

I contacted American Express to request a goodwill accommodation, which was declined. I have since paid the balance in full and closed the account. I am requesting that American Express reconsider this matter and provide a one-time customer accommodation in the form of either a refund of the interest charge or a statement credit, as appropriate given that the account is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Longhorn Asset Management LLC
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the remaining balance you are attempting to collect on the above-referenced account. The original debt has been paid in full, and any additional interest, fees, or charges you are claiming are unauthorized, inaccurate, and disputed.

Please be advised that I dispute this balance in its entirety pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). 
I have contacted XXXX XXXX XXXX and requested the agreement of the settlement. The account numbers with XXXX XXXX XXXX correctly in relation to what you have been provided with my XXXX XXXX. I have included as a courtesy the transactions showing where payment was reflected on my monthly statements. As you can see with the provided documentation below, I fulfilled the agreement to settle this account. I sufficiently completed the payoff on XX/XX/year> for the amount of {$600.00}. 
Specifically, I request the following documentation : Proof that the original debt was not satisfied, including a full payment history A copy of the original agreement or contract that expressly authorizes the assessment of post-payment interest or fees An itemized breakdown explaining how the current balance was calculated after the debt was paid Documentation establishing your legal authority to assess and collect these additional charges The statutory or contractual basis permitting continued collection after the account was paid in full Absent written proof that such charges are contractually and legally authorized, your continued collection efforts and any credit reporting constitute violations of federal law, including but not limited to : Attempting to collect amounts not expressly authorized by agreement or permitted by law ( 15 U.S.C. 1692f ) Misrepresentation of the character or amount of a debt ( 15 U.S.C. 1692e ) Reporting inaccurate or misleading information to consumer reporting agencies ( FCRA ) Until this matter is resolved, you must immediately cease all collection activity and reporting related to this account. If you are unable to substantiate the legitimacy of these charges, you are required to delete this account from all consumer reporting agencies to which it has been furnished.

This letter is not a refusal to pay, but a formal notice that the debt has already been satisfied and that the shows balance is disputed as inaccurate.

Please respond within the time required by law.

Thank You. 
XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
here are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation