vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My cousin and I did some work for a guy when I just moved here and he stated he wanted to pay us XXXX account so I provided him with my account details and he stated that he will pay me more than what he owed me and I then withdraw the balance for him, I had no problem doing that, after Idid the withdrawal and few days pass I see my account in negative and then being closed, Im completely unaware of this activity and would like this discrepancy to be removed from me 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 non-monetary relief
Consumer complaint received 2026-05-05 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 disputing a denied fraud claim for an unauthorized ATM withdrawal of {$500.00}. The transaction occurred in XXXX, CA at a time I was not present in that area. My debit card was lost or out of my possession prior to the withdrawal, and I did not authorize or perform this transaction. I immediately reported the issue and filed a dispute with my bank. The bank initially issued a provisional credit of {$500.00}, but later reversed it after completing their investigation and denied my claim. I am disputing the banks conclusion because I was not provided sufficient evidence explaining how the transaction was determined to be authorized. Specifically, I was not given details showing any verified proof of authorization, such as ATM surveillance footage review, transaction authentication details, or clear evidence that the transaction was legitimately completed by me. The denial does not align with the fact that I was not in XXXX at the time of the withdrawal and did not have possession of my debit card. I believe this transaction was unauthorized and should have been identified as fraud. I am requesting a full reinvestigation of this matter, including review of any available ATM surveillance footage, transaction logs, and all evidence used to determine authorization. I am also requesting reinstatement of the {$500.00} provisional credit due to this being an unauthorized transaction. Additionally, my account history shows that all prior ATM withdrawals have consistently been made within my local area. I do not typically travel or use ATMs outside of my city. This transaction in XXXX is not consistent with my normal account activity and should have been a clear outlier during the investigation.

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year>, I used my Chime debit card to book a hotel reservation for {$150.00}. When I arrived, I was unable to check in due to ID requirements, and the hotel canceled my reservation. The hotel confirmed that a full refund of {$150.00} was issued back to my original form of payment. As of today, I have not received the refund in my Chime account. I contacted Chime to request an investigation and the return of my funds, but they have failed to properly resolve the issue or provide my refund. I am requesting that Chime locate the refunded funds and return the {$150.00} to my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The financial information associated with my account shows documentation shortcomings and reporting irregularities that undermine its reliability, and I respectfully request correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
I am submitting a complaint against several debt collection agencies for what appear to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the agencies failed to provide sufficient documentation to establish that I am legally responsible for these accounts. Specifically, they did not produce key records such as original agreements, proof of ownership, complete account histories, or evidence of their authority to collect. Despite this lack of verification, collection activities and credit reporting appear to have continued. This raises concerns about potential violations of the Fair Debt Collection Practices Act ( FDCPA ), including failure to properly validate debts and the use of misleading or unfair collection practices. It also raises concerns under the Fair Credit Reporting Act ( FCRA ), particularly with respect to the accuracy of reported information and the adequacy of any investigation into disputed accounts. Overall, the conduct described suggests that these agencies may be attempting to collect on unverified debts and may be reporting potentially inaccurate information, indicating possible broader noncompliance with federal consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
My complaint is with PayPal. A client sent over a payment of {$2500.00} to my PayPal account once that payment was sent over PayPal froze my asked for additional information once I submitted the additional information my account was still on a hole and they said that they can hold it up to XXXX days. On the portal system, it said I had another account is the reason they was freezing this account, but I dont have another account with them when I call to them and talk to a representative. They have no reason because I submitted the information that they requested so its no actual reason why the account is frozen or my funds is not available. I request that they refund the consumer so it wouldnt be a charge back so theyre holding the money for chargebacks and other fees, but if my account is shut down then there shouldnt be no other fees or anything else. They should just shut it down now theres no way they should hold my money to accumulate a fee that does not exist if the account is shut down and even if we signed a contract once they submitted to me that they no longer wanted to conduct business with me than that contract that was signed should be voided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
In early XX/XX/year>, I was the victim of an impersonation-based fraud scheme on XXXX. A scammer posed as a verified moderator of a sports card trading community and convinced me to send XXXX payments via XXXX totaling {$780.00} to account @ XXXX. My bank determined fraud had occurred and intervened. XXXX subsequently froze my account and placed a {$780.00} negative balance on me -- the XXXX -- rather than pursuing the receiving account. I filed fraud reports with the XXXX XXXX XXXX ( Case No. XXXX ), the FBI Internet Crime Complaint Center, the Federal Trade Commission, the Oregon Department of Justice, and XXXX. I also filed a civil lawsuit in XXXX XXXX XXXX XXXX, Oregon ( Case No. XXXX ) to identify the scammer through a subpoena of PayPal/XXXX records. That case is currently active. Despite multiple written escalation requests to XXXX between XX/XX/XXXX and XX/XX/year> -- referencing all of the above case numbers and requesting manual review by a XXXX XXXX -- XXXX responded only with generic customer service templates directing me to pay the debt or contact the recipient. On XX/XX/year>, I submitted a written request asking XXXX to freeze my account for all incoming and outgoing transactions while the fraud dispute and court case were pending. Venmo never acknowledged or honored this request. After I reported the fraud, XXXX automatically applied an incoming {$70.00} payment from a third party to the disputed balance without my authorization, reducing the alleged debt from {$780.00} to {$710.00}. On XX/XX/year>, another incoming payment of {$100.00} was similarly applied without authorization, reducing the alleged balance to {$610.00}. I sent a formal demand letter on XX/XX/year> requesting escalation, a full account freeze, and return of the {$100.00} to the sender within XXXX hours. XXXX did not respond to that demand. On XX/XX/year>, Venmo sent a message stating my account had been referred to collections for {$610.00}, directing me to call a collections number. This occurred while an active court case and unresolved fraud dispute were pending, and with no acknowledgment of any of my prior escalations or the written freeze request. I am a XXXX XXXX being pursued by collections by the same platform that processed the fraudulent transaction. XXXX has refused to conduct a substantive XXXX review despite documented reports to multiple federal and state agencies and an active civil court case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I deposited a check for {$4500.00} via remote mobile deposit into my Chase XXXX checking account. I initially deposited the check without an endorsement signature, then signed it and deposited again believing the first attempt had not gone through. Chase 's system failed to reject the unendorsed check and failed to flag an obvious same-day duplicate deposit of the exact same check, same amount, same issuer. My account was credited {$4500.00} twice totaling {$9100.00} from one check. I was unaware this had occurred. On XX/XX/year> I was informed there may be an issue. I immediately called Chase the same day and then visited a Chase branch in person. A Chase employee reviewed my account on their system and explicitly told me everything was fine and there was nothing to worry about. I relied completely on that assurance. That same night on XX/XX/year> Chase debited my account- {$4500.00} as a MEMO DEBIT with no warning, no notice and no explanation, leaving my account overdrawn. Chase had multiple opportunities to catch this error and failed every time. Their branch employee told me everything was fine hours before taking my money overnight without any warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
Original Complaint Reference : XXXX I am filing a follow-up complaint regarding Cash Apps handling of my dispute, as the issue remains unresolved and their response contradicts their own stated policies. I filed a dispute on XX/XX/year>, regarding an {$80.00} Cash App Card transaction for a food order that was not received as described. I provided extensive documentation, including receipts, photos, and multiple attempts to contact the merchant. In written communicationsincluding their response to my original CFPB complaintCash App explicitly stated that disputes may take up to 45 calendar days to investigate and resolve. That 45-day period has now passed with no resolution, no final determination, and no meaningful update. After the deadline passed, Cash App changed their position and stated that the process may take longer for disputes involving goods or services not received or not as described. This directly contradicts their earlier written statement and does not provide a clear or reasonable timeline for resolution. At this point : The stated resolution timeframe has not been honored No final determination has been issued No clear or definitive timeline has been provided I have made multiple good-faith efforts to resolve this, including contacting the merchant and submitting full documentation I am requesting : A final determination on this dispute without further delay A clear explanation for the failure to meet the stated 45-day resolution timeline Immediate resolution of the disputed amount Cash Apps inconsistent communication and failure to adhere to their stated process have caused unnecessary delay and frustration. I am requesting that this matter be reviewed and resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 non-monetary relief
Consumer complaint received 2026-05-05 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: KEYCORP
State: NY

Complaint narrative:
Reference to complaint ID # XXXX. All documentation was sent with that complaint if still needed. The bank has refused to provide proof based on Regulation E. I am filing this complaint against KeyBank for a violation of Regulation E ( 12 CFR 1005.11 ). KeyBank denied my dispute regarding an unauthorized transaction of {$53.00} but has refused to provide the documentation used in their investigation. Under 1005.11 ( d ) ( 2 ), a financial institution must provide copies of the documents it relied on for its determination upon the consumer 's request. KeyBank 's failure to do so prevents me from verifying their findings and exercising my rights under the Electronic Fund Transfer Act. I have asked them to contact XXXX XXXX XXXX XXXX to get the camera footage as XXXX at XXXX XXXX XXXX XXXX can not hand that to me but can hand it to KeyBank if their fraud department would call their fraud department. They refused and did not do a proper investigation. They failed to investigate at all and refused to provide proof that was used to make their decision. I have provided proof that I was at work and grocery shopping during this transaction, my doctor has also provided documentation that I am too XXXX to have left work after an 8 hour day, go to an ATM and then buy {$200.00} worth of groceries at XXXX. My doctor said after working 8 hours I would not have been able to grab all the items on my receipt in the time it would have taken, if I had stopped at an ATM, which I did not. Due to my XXXX XXXX I also am not a driver and did not drive from work to an ATM. My caregiver that drives me everywhere can confirm this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
4 fraudulent credit inquiries Syncb/Amazon XX/XX/XXXX Synchrony Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-05-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: IN

Complaint narrative:
1. Unauthorized Account Action and Violation of Explicit Instruction On XXXX XXXX XX/XX/year>, I contacted customer service with the specific intent of a temporary security " lock '' due to a misplaced card. I explicitly and repeatedly instructed the agent not to report the card as " Lost or Stolen '' or to " Block '' the account, as I anticipated locating the property shortly. Despite my clear, verbal directive, the agent overrode my sovereign intent and placed a Hard Flag/Security Freeze on the account. This action was taken without my consent and in direct opposition to my instructions, constituting an unauthorized restriction of access to government-disbursed funds. 2. Failure of Multi-Channel Synchronization Although I have successfully authenticated my identity via the secure online portalwhich indicates the card status as " Active '' XXXX back-end " Flag '' is preventing ACH transfers and fund mobility. This represents a critical failure of system synchronization. My ability to pass multi-factor authentication and portal validation should, by banking standards, override any " misplaced '' status. The bank is currently impeding the flow of funds despite successful Tier-1 and Tier-2 identity verification. 3. Operational Incompetence and Lack of " Duty of Care '' Since this unauthorized block was placed, I have been subjected to a " dizzying '' and " infuriating '' cycle of systemic failures, including : Inconsistent Regulatory Guidance : Every agent provides conflicting information regarding the status of the account, demonstrating a lack of standardized training and a violation of " Truth in Savings '' communication standards. Intentional Disconnections : I have experienced consistent hold times of XXXX minutes followed by " dead-air '' disconnects or improper routing. This suggests a failure in the bank 's Telephony and Interactive Voice Response ( IVR ) systems, which effectively acts as a denial-of-service to the consumer. Professional Negligence : Agents have been dismissive, unprofessional, and have failed to document or escalate formal complaints, opting for " empty apologies '' rather than filing a Systemic Issue Report. 4. Required Resolution & Sanctions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND XXXX 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 XXXX Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: CA

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 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: MI

Complaint narrative:
Velocity investment llc wrongfully sued me with out my knowledge I was never properly served the information they had was from years ago when I had lived in indiana They took advantage of the courts in XXXX indiana I live currently in Michigan I believe they knew this but rushed everything through the courts to get a judgement awarded to them I believe it was illegal and a violation of my rights I've been trying to request another hearing through the courts but have been getting the run around Paperwork has been filed and served through the courts and the mail I believe velocity investment knowingly violated my rights and the law when it comes to the fair debt laws They refuse to speak with me regaurding this and all they do is give me the run around I did update my information with the company on XX/XX/year> but I'm still trying to request another hearing because I was never served and they made no other attempt to properly serve me before any court dates I have tried reaching out to the states attorney generals office to report this matter along with reporting it to other government agencies I was never given a case number and also I was never given any information on who to pay the debt too I don't believe this company owns this debt I don't have a contract with them I don't remember ever receiving any communication from them ever since before knowing of any court cases and or garnishment I do believe they violated my rights and the law

Company response to consumer: Closed with explanation