vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 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: CA

Complaint narrative:
I am filing a complaint regarding unauthorized debit transactions totaling {$7500.00} from my Chime account ( Account ending in XXXX ), involving merchants listed as XXXX XXXX and XXXX XXXX XXXX Limited. I want to be very clear : I have never signed up for, downloaded, used, or authorized any transactions with these merchants. I did not provide my debit card information, login credentials, or consent to any third party to initiate these charges. The transactions occurred between XX/XX/XXXX and XX/XX/XXXX and consist of dozens of rapid, repeated charges ranging from {$20.00} to {$500.00}, often within minutes of each other and during late-night hours. This pattern is highly irregular and consistent with fraudulent activity, not normal consumer behavior. I reported the unauthorized activity to Chime on XX/XX/XXXX ( Claim ID : XXXX ). Despite this, Chime denied my claim, stating that no error occurred, and closed the case without issuing any credit. I have fully cooperated with the investigation and have taken appropriate steps, including reporting the fraud. Additionally, another financial institution has reviewed similar transactions related to this situation and determined them to be fraudulent. Given that I did not authorize these transactions in any way, I am requesting that Chime : Reopen and conduct a full reinvestigation in compliance with the Electronic Fund Transfer Act ( Regulation E ) Provide all evidence used to conclude that these transactions were authorized, including device information, IP addresses, and authentication records Credit my account for the unauthorized transactions totaling {$7500.00} I believe I am entitled to protection under federal law for unauthorized electronic transactions and request assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/year>, I realized that a credit card I had not used recently was missing. Upon checking my account statement, I discovered a series of unauthorized transactions starting on XX/XX/year>. I immediately contacted Bank of America to report the card as lost/stolen and initiated a fraud claim ( Claim # XXXX ). I also filed a formal police report regarding the lost card and the subsequent unauthorized charges ( Police Report # XXXX ). The bank has partially rejected my claim for the following transactions : XX/XX/year> : XXXX Market XXXX ( {$50.00} ) XX/XX/year> : Plaid Pantry # XXXX ( {$8.00} ) XX/XX/year> : XXXX XXXX Restaurants XXXX ( {$16.00} ) XX/XX/year> : Sidekicks Deli ( {$15.00} ) XX/XX/year> : Plaid Pantry # XXXX ( {$70.00} ) XX/XX/year> : XXXX XXXX XXXX XXXX XXXX ( {$23.00} ) The bank claims these charges are valid because a " chip was read '' or a " PIN/signature '' was used. I contest this for several reasons : Unauthorized Access : I did not make these purchases, nor did I provide my card or PIN to any other individual. The card was physically out of my possession during this time. Logical Inconsistency : The bank has accepted fraud claims for other transactions occurring during this same XXXX window. It is logically inconsistent to acknowledge the card was compromised for some transactions while holding me liable for others occurring at the same time and in the same geographic area. Verification Failure : Small-dollar transactions at convenience stores and fast-food outlets ( like Plaid Pantry or XXXX 's XXXX ) XXXX require a PIN or a verified signature. The bank 's assertion that a PIN or signature " indicates I was present '' is a generic conclusion that does not reflect the reality of how these specific merchants process payments. Under XXXX XXXX ( Truth in Lending Act ), my liability for unauthorized use of a credit card is limited, and the bank has a responsibility to conduct a reasonable investigation. Their current finding is contradictory and places an unfair financial burden on me for confirmed criminal activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a XXXX account that has minimum balance above required amount that just sits without activity. I recently discovered my balance is lower without activity on account. I inquired and was informed that the bank changed iminimum balance requirement from {$500.00} to {$1500.00}. If balance falls below new minimum balance, account is charged {$15.00} per month fee. I was told that notification was sent XXXX, XXXX and XXXX of XXXX. I didnt receive my XXXX statement because I was moving. I filed a dispute with the bank and their XXXX offices. I requested copies of all 3 months claimed notification of disclosures was in the statements. It was not. I asked for copies of claimed notification. On XX/XX/XXXX XXXX XXXX. offices issued a letter stating new minimum balance and monthly charges. This is the first notification received after my account was hit with fees beginning XX/XX/XXXX. XXXX returned XXXX months of fees but refused to return all fees since I was not notified of minimum balance increase and fees if minimum balance is not met. After finding out the new balance minimum, I withdrew all my funds because it was below new minimum balance and left the account with XXXX balance so XXXX can no longer charge my account. XXXX XXXX. office refused to return full amount charged from monthly fees.

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 2026-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ive had four accounts with Bank of America for 40 years one trust account of my families of which I am trustee, one personal savings, and a personal checking account. Ive had severe and pervasive identity theft for the last over a year since my house was burglarized and all my documents were stolen, and whoever did it use those documents and another data to break into a lot of accounts, particularly the bank. Ive must approximate XXXX by this. B of A rarely credited back any claims, never supported me in this. Now after 40 years and a really long year and a half of being defrauded horribly- they are closing my accounts for my protection XXXX is, they are not giving me the money back. It has been 18 days so far since they shut down the accounts and daily, I call and they wont give me a timeframe or any reasoning for this. They say the closing date is XX/XX/XXXX, and that they will mail me a check I have been unable to pay my mortgage, car insurance, property taxes, and simple things like FOOD. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I can not have now until this is solved. This is, literally a life or death situation. Not only because of the XXXX, but I also received a default notice from my mortgage lender for the first time in my life. This is so very urgent I truly need help. It would be much appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
An unauthorized XXXX device name XXXX XXXX logged into my cashapp from Ohio i recieved multiple new device alerts i didnt authorize the thief made a atm withdrawal XXXX plus multiple XXXX chargers totalling over XXXX with XXXX getting through the unauthorized device is still logged in i have screenshots of alerts location history and transaction i contacted cashapp but they have not returned my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Newport Intermediate Inc.
State: NC

Complaint narrative:
So i called two days ago and spoke to a foriegn lady from my vault bank and we went iver XXXX $ worth of fraud. XXXX and at the end i asked for a case disbute number and she claimed their system was having errors and ahe couldnt give me one then said id recieve an email within 24 hrs to file the written disbute and it number came but i had also asked for the email i case i didnt get it just like i dod the last timei tried to file disbute and they did this twice to me know she gave me a fake email address. So it seems to me she didnt even file the disbute she lied just like the last time this happened. I have everything written down and wittnesses and recordings of it all. I want this handled and all my money back these people need to be stopped because their breaking the law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
hi my account was XXXX and they sent money from my account tonmoneyyy of XXXX and XXXX XXXX of XXXX and XXXX dollars split up to others and i checked my account on XX/XX/XXXX and saw all my money gone and cash app wont give me my money back from someone hacking my account which is crazy theme they turn around and closed my account out which is crazy like they telling a XXXX women its ok that someone stole my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
A {$480.00} collection account was placed by Fair Collections & Outsourcing related to alleged apartment charges witXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This was months after I moved out of XXXX XXXX in XX/XX/XXXX. I do not have any record of this dispute so I reached out to the collector to inquire. On XX/XX/XXXX, I sent a debt validation request to the collector via certified mail, which was delivered and signed for by the collector on XX/XX/XXXX. In that letter, I requested validation of the debt, including an itemized statement of charges, documentation supporting any claimed damages, and evidence that I am legally responsible for the amount. I also requested that all further communication and validation be provided in writing, XXXX XXXX or email, within 30 days. I received no response or documentation. Despite failing to respond to my validation request, the collector continues to report this account to XXXX. I disputed the account with the credit bureau, and it was marked as verified, but no supporting documentation has been provided to me. The debt remains unverified. I am requesting that the collector either provide proper validation, including itemized charges, reasonable mitigation of damages, and supporting documentation, or remove this account from my credit 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 2026-04-24 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I was charged over XXXX for my car to pass inspection and to have an overhaul to be safe to drive from XXXX XXXX XXXX after receiving the car i noticed my dome lights didn't work when i opened my car doors. it also didn't work when i locked or unlocked my car using the key fob. The back locks were broken as well. When I opened my car, the back locks were still locked. Not only that i didn't noticed until I was in XXXX that my car never passed inspection! I recorded a conversation with XXXX in XXXX ny XXXX XXXX XXXX. and both the owner and mechanic told me what happened. Much more information was admitted on my recordings as well. I mailed the transcript of the recording to citibank.. I also mailed citibank proof that after 3 weeks in sc the car needed to be repaired by a second shop because the car puttered loud when i started the car. On the receipt from XXXX XXXX in XXXX it was written that i told XXXX that i brought it to XXXX and that my backlocks and dome light were broken. After XXXX charged me over {$900.00} they told me they couldn't duplicate the issue i told them about ( dome lights and back locks not working ) but when they told me that they couldn't duplicate the issue, they refused to walk to my car after I paid to pick it up to prove to them the issue was still there. I left them a bad review because im like, " why would they lie about that? '' other then them not wanting to be involved with a dispute ; I guessed that reason because I told another garage about me bringing my car to another shop and that im in a dispute about their work and they refused to fix my car. I have a 16 minute recording of XXXX in XXXXXXXX XXXX ( XXXX XXXX XXXX ) admitting to the damage and letting me know why the damage happened. All I need to do is email these two recordings ( I have two recordings 8 minutes each ). I also can email a small video proving that the back locks and dome lights are broken. Since this has happened, other very annoying electrical issues have broken but I am not complaining about that because I caught the roof top not closing after I got to sc. I also noticed the auto locks locking after I drive, not working but like I said I am only complaining about the dome lights and back locks because those two are what I noticed while still in NEW YORK and those two issues are the issues that were spoken about on the recording. Both XXXX the owner and a mechanic that worked on my car are on the recording-

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 2026-04-24 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: NJ

Complaint narrative:
XXXX XXXX XXXX was deleted from XXXX XXXX XXXX back XX/XX/year>. As I was checking my credit profile I see Jefferson Capital System has now became the buyer of the same XXXX account that XXXX XXXX XXXX XXXX As going thru XXXX I noticed XXXX had original Original Balance : {$640.00} and Collection amount {$720.00}. Jefferson Capital has Original Balance as {$720.00}. There are so many issues and inaccuracies and this needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing a complaint regarding a denied credit card dispute for defective auto repair services that were not completed as agreed. I paid approximately XXXX XXXX and {$4300.00} to XXXX XXXX, LLC with my Apple Card for engine repair/rebuild services. Upon picking up my vehicle, it immediately began overheating on the same day. I returned the vehicle to the shop, and they claimed the issue was related to the radiator. I was then charged an additional {$450.00} for this repair. I PAID THIS SHOP IN 2024 AND DID NOT RECEIVE MY CAR UNTIL ABOUT 2 MONTHS AGO HE HAS HAD MY VEHICLE FOR OVER 18 MONTHS After picking up the vehicle again WEEKS AFTER ONCE AGAIN, it overheated immediately and became undrivable before I could return home. I was forced to take the vehicle to a third-party repair facility ( XXXX XXXX XXXX XXXX XXXX where I paid over {$1700.00} for further diagnostics and repairs. Despite this, the vehicle continued to overheat. The third-party mechanic ultimately determined that the engine is still compromised, with issues including coolant loss and compression problems, and that the vehicle requires a full engine replacement. This indicates that the original repair performed by XXXX XXXX, XXXX was either defective or incomplete and did not resolve the underlying issue. I disputed these charges with my credit card issuer on the basis that the services were not rendered as agreed and resulted in additional financial damages. However, my dispute was denied. I am requesting that my credit card issuer reopen and properly investigate this dispute, taking into account the full timeline of events and the third-party repair findings, which demonstrate that the original service was not successfully completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I was aware of this debt when it appeared on my credit bureau report -- - i was not notified and requested validation of debt. I paid XXXX in full and even doubt that I owe {$57.00} in transferred but paid it anyway. I believe that this collection company is scam and unethical. XXXX needs to recall this debt and this must be removed immediatly by Credit Collection Services as it has not abided by any state or federal laws and unethical practices. this is paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I filed a {$1500.00} dispute on XX/XX/year> after a vendor failed to provide the 6-month supply of XXXX I purchased, delivering only a 1-month supply and refusing a refund. I cooperated fully with the investigation, including a detailed interview with a bank researcher on XX/XX/year>. XXXX XX/XX/year>, Frost Bank sent me a letter via XXXX stating they closed my dispute without a resolution " due to lack of supporting information. '' On XX/XX/year>, a Frost Bank employee via their online chat stated their own internal staff failed to respond to an internal communication email ; therefore, causing my dispute to be closed. The bank has now forced me to open a new dispute and have me " restart '' the 180-day clock, which I believe is a bad-faith tactic to avoid the requirements of Regulation E. The bank has refused to provide the mandated provisional credit despite the investigation lasting over 60 days. I am seeking an immediate {$1200.00} ( the 5 months I did not receive ) credit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: AL

Complaint narrative:
The total amount is {$1200.00}. It was sent unauthorized to someone I don't know. Requested refund but chime has denied both disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am disputing unauthorized credit card charges that posted on XX/XX/year>. At the time these disputed transactions occurred, I was traveling and had legitimate transactions in or connected to XXXX / XXXX, California and XXXX XXXX XXXX airport activity. My physical card remained in my possession. I did not authorize any person in New York XXXX to use my card. I first reported issue to XXXX XXXX XXXX XXXX XXXX on XX/XX/year> ) Initially I was credited back for the XXXX and then the others. The XXXX and XXXX XXXX XXXX they credited me back then revoked it stating chip was used. Not sure how this is possible since i was in California and used the card while i was there. The disputed charges below. Total disputed charges : {$580.00} XX/XX/year>XXXX XXXX XXXX XXXX {$100.00} XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX {$100.00} XX/XX/year> XXXX XXXX {$170.00} XX/XX/year> XXXX XXXX {$200.00} My legitimate transactions around this time included the following non-disputed purchase which clearly state I was in California during XXXX time transactions were being done fraudulently in NY XX/XX/year> XXXXXXXX XXXX # XXXX O {$2.00} XX/XX/year> XXXX XXXX XXXX {$23.00} XX/XX/year>XXXX XXXX XXXX XXXX {$18.00} XX/XX/year>XXXX XXXX XXXX XXXX {$26.00} XX/XX/year> XXXX XXXX XXXX {$3.00} XX/XX/year> XXXX XXXX XXXX {$21.00} XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX {$15.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I submitted online ACH payments from the same account I use each month. This card offers discounts and rewards specific to XXXX, enticing you to use the card for these types of purchases. I paid my card to use while on vacation and my payments were held and not available to me to use and gain discounts and rewards despite this being the purpose of the card. When I spoke to a representative I was told because these transactions were not following previous amounts paid that they would be held for over a week, when I will no longer be able to gain the rewards and benefits. I reviewed the transaction screen where the payment is made that states payments will be applied in 1-2 days which I can see they have been against both my credit card balance as a credit, and a processed withdrawal on my checking accounts, however I am unable to use my funds. Theyre not earning interest however I am being charged interest on the credit card balance. This is a deceptive practice set up to cause financial harm to consumers by not allowing them to use their funds. I have never had a late or returned payment in my life, have always paid from the same account and offered to send confirmation that the funds had been withdrawn and were no longer available to me at my deposit institution. Chase repeatedly said there was nothing they could do to help and I had to wait.

Company response to consumer: Closed with explanation