vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 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: NV

Complaint narrative:
I opened my Wells Fargo checking account in XXXX and at that time I was notified that if I held a {$1000.00} minimum balance I would not incur any fees. I left {$1000.00} in the account and do not ever use the account for any purpose but leave it open for convenience. Starting in XX/XX/XXXX I began silently incurring monthly service fees. I was never notified that the monthly service fee limits were changing. I never received any mail or email discussing the changes in the rules. The money was just being withdrawn from my account until I noticed this month. I spoke to the online banker which notified me she could refund {$15.00} of the {$70.00} that were charged. I asked to speak to a XXXX and was connected with XXXX XXXX. XXXX notified me that he could actually only refund {$10.00} and there was nothing else he could do to help.

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 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: CA

Complaint narrative:
They said I never filed a claim and keep making me file a claim when I have claim numbers and instead of them telling me it takes years for this to be resolved I believe theyre stealing in the money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters

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 2026-04-26 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: FL

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 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Own XX/XX/XXXX I mailed out a letters to XXXX credit bureaus ( XXXX and XXXX.I requested that this auto loan account with Truist bank for XXXX be removed from my credit report.According to 15 U.S. Code 1681 b ( 2 ) and FCRA^ section 605B it is illegal to report anything on my credit report inaccurate. The accuracy is stating that my last payment was XX/XX/XXXX but in the pavement history is reflecting my last payment in XX/XX/XXXX, which is inaccurate.Nothing was done.Then I also went online and submitted a request for this account to be removed and on the XXXX and XXXX TRUIST updated this account with XXXX and XXXX update the account when I check my online XXXX bureau report I saw that they updated it to a charge off, but they did not provide me with a XXXX for when they filed on there taxes a profit lost so I can file on my taxes as income.

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 2026-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am filing this complaint because JPMCB XXXX is incorrectly reporting a late payment for XX/XX/year>. My account was not late. I request this inaccurate late mark be immediately removed from my credit reports. There are XXXX different account with late payments reported incorrectly. I have attached all the loans with completed payments all of them were never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One initiated garnishment on my personal checking account dated XX/XX/XXXX per District Court of Maryland. I resolved my balance in person with the attorney representing the loan company on XX/XX/XXXX. The Court issued a judgement granting dismissial of the garnishment on XX/XX/XXXX addressed to all garnishees including Capital One. While the other garnishees complied without hesitation, Capital One has continued to ignore and display stubborn noncompliance to a legal court order to this day. On XX/XX/XXXX, I sent a certified letter to Capital One 's corporate office demanding release of the lein against my personal accounts based on the legal court ruling. Capital One has wholly ignored my request, thus my submitting this claim to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I was without Internet around XXXX of 2026. I finally got my Internet back and logged into my chime account only to discover all my money was gone. My entire XXXX check plus a little more. I attempted to dispute it however they closed my account and I did not receive any money back. This in turn got me evicted because I couldn't come up with my rent due to it being gone. When I called to check on the dispute is when I was informed my account was due to be closed on XX/XX/year>. I pleaded with them to explain why and was told fraudulent activity, even after I told them I hadn't even had access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I was attacked by a XXXX XXXX from XXXX XXXX prop firm that spoofed and booted my account. It maxxed out my XXXX credit cards in less than XXXX month with unauthorized charges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NE

Complaint narrative:
I rented a hotel that requires a {$100.00} deposit, which was drawn from my cash app account on XX/XX/year>. The past times that I have stayed here the deposit is put back in my account within XXXX hours or less. Except this time, it is now XX/XX/year> and I still haven't received it. I contacted my bank and they said it is the hotel that is holding it up they said there's several times that I have called on several occasions I contacted the hotel and the lady said that they release the hold on XX/XX/XXXX literally cash app and they said it's not good enough they want a PDF file receipt well there is no such thing as a PDF file receipt with the XXXX XXXX chain so they are refusing to drop the hold and put my money back in my account I don't know why they're asking for a receipt they never have before but I emailed them one they said it's not good enough. this has been going on for a month with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Use this version with your account numbers included : Complaint against Midland Credit Management , Inc . I dispute the validity of the alleged debts referenced by Midland Credit Management , Inc. for the following accounts : XXXX ( XXXX XXXX XXXX, XXXX. ending XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX, XXXX. ending XXXX ) Midland has attempted to collect and has suggested possible legal action on these accounts. Based on my records, these debts are old and appear to be beyond the statute of limitations for legal action in my state. I requested proper validation. Midland provided billing statements, summaries, and internal records. They did not provide : A signed agreement or application bearing my signature Complete account-level documentation showing I am legally obligated Proof of the full chain of title with authenticated transfer documents Evidence they have the legal right to sue on these accounts Threatening or implying legal action on time-barred debt violates the Fair Debt Collection Practices Act, including 15 U.S.C. 1692e and 1692f. I request : Immediate cessation of all collection activity on these accounts Confirmation that no legal action will be taken on any time-barred debt Deletion of any negative reporting related to these accounts from all credit bureaus Written confirmation of the results of your investigation I am submitting this complaint to request enforcement of my rights under federal law. If you want, I can add your address and format it exactly how CFPB likes it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Unauthorized charges were charged to all XXXX of my credit cards from XXXX XXXX XXXX XXXX XXXX. I pressed on a targeted XXXX XXXX that spoofed and took over my account now I need to get refunds from my XXXX cards that all got maxed out in a matter of XXXX weeks.

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 2026-04-26 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: AL

Complaint narrative:
On the fifth of XXXX, chime allowed {$43.00} to be deducted from my account by XXXX ultimate guitar. I spoke with chime a couple weeks before that and advised him that that was unauthorized charge, and they blocked it several times and then, for some reason, they decided to let it go through. I should never have to wait for this to be investigated because they were supposed to stop it.It was chimes mistake.I want the money put back on my account immediately. I made about a 1/2 a dozen attempts to speak with someone in reference to this.And I got the same run around every time. Not only did they allow the charge, they cancel my car twice within a three week period of time, which meant I had no debit card and had to wait two weeks later, replacement card, then I called and advised them that money still wasn't back on my account and they closed my card again and sent me another one and I had to wait 2 2.\nWeeks in which I had no debit card. I called and begged to speak to someone about the dispute.And that the same runaround from their terrible customer service agent, whom spoke such broken english, that I don't think I understood even a half of what they said to me. I mean, 5 or 6 phone calls trying to find out what's going on with this thing, there's no way I should have to wait for that money to go back on my account.Forty 52 ninety days when it was chimes, fault begin with. This has been an ongoing issue with time, allowing unauthorized charges to my account.But this is the first time that they've said they would block one and did not. They have the absolute worst customer service.I think I've ever experienced and believe me.I 've experienced some pretty bad customer service in my time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: GA

Complaint narrative:
I am submitting this complaint regarding the handling of a credit card dispute by Bank of America. On or around XX/XX/XXXX, I was charged approximately XXXX XXXX by XXXX for a hotel booking ( XXXX XXXX XXXX, XXXX ) for the stay period XX/XX/XXXX to XX/XX/XXXX. During my stay, on or around [ insert date you checked ], I discovered that the exact same room for the same dates was being offered on XXXX own platform for approximately JPY XXXX, nearly 50 % lower than the amount I was charged. XXXX offers a Price Match Guarantee that states customers should not pay more if the same booking is available at a lower price under identical conditions. On XX/XX/XXXX, I contacted XXXX customer service and requested a price adjustment or a penalty-free cancellation so I could rebook at the lower rate. XXXX refused to honour the XXXX XXXX XXXX. I also contacted the hotel directly, and they confirmed that any adjustment must be initiated by XXXX. As a result, the merchant and the hotel each directed me back to the other, and no resolution was provided. No where on their website do they mention that the price match guarantee will not be honored once the booking has begun, which I believe is unfair trade practice because the person who is their customer and already paid for the booking is at a disadvantage here. I then filed a dispute with Bank of America on or around [ insert dispute date ], explaining that the merchant failed to honour the Price Match Guarantee, which was part of the terms of the transaction. I provided supporting documentation, including screenshots showing the lower price and evidence of my communication with XXXX. Bank of America denied my dispute on XX/XX/XXXX. The denial appears to have been based on a misunderstanding of the issue as an incorrect charge. However, this is a case where the merchant failed to honour a stated Price Match Guarantee under identical booking conditions. I believe Bank of America did not properly evaluate the nature of the dispute or the supporting evidence provided. Specifically, the dispute should have been considered under services not provided as agreed or failure to honor advertised terms, rather than being dismissed as a pricing issue. I am requesting that Bank of America : 1. Reopen and properly review the dispute based on the correct classification 2. Consider the merchants failure to honor its Price Match Guarantee as a breach of terms 3. Provide a fair resolution based on the evidence submitted I have made multiple good-faith attempts to resolve this issue directly with the merchant prior to filing the dispute. Thank you for your attention to this matter.

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 2026-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: AR

Complaint narrative:
I have asked this company to verify the debt that is reporting I owe and the company has not verified the debt.

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 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Complaint Against Wells Fargo Denied Access to Funds / Estate-Related Account I am filing a complaint regarding my inability to access funds and account information associated with a joint bank account at Wells Fargo . I have already completed verification related to the deceased joint account holder through the U.S. Treasury process and received funds associated with that verification. Despite this, Wells Fargo continues to deny me access to view or resolve the remaining bank account. I previously visited a Wells Fargo branch for assistance but was directed to the U.S. Treasury and given no clear path to access or resolve the account from the bank side. I have also attempted customer service multiple times and have been unable to obtain a resolution or clear instructions. At this time, I am being denied access to funds or account resolution despite confirmed documentation of the joint account holders death. I am requesting : Full review and release or proper disposition of remaining funds in the account Clear written explanation of what legal or procedural requirement is preventing access A designated specialist or estate resolution team to handle this case A final resolution rather than repeated referrals between institutions I am willing to provide any required identification or documentation, including proof of prior U.S. Treasury verification. This matter has reached a point where I am unable to obtain resolution through normal banking channels.

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 2026-04-26 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: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, I accidentally closed my primary PayPal account while attempting to close a business sub-account. I mistakenly believed closing the business account would revert my profile to a personal account. The closure was entirely unintentional with no policy violation or suspicious activity involved. The account had an established {$2900.00} monthly limit built through consistent, legitimate use for receiving payments for professional services and paying bills. I contacted PayPal customer support multiple times via live chat and email. I was repeatedly told the account is permanently closed and that nothing can be done. My requests to speak with a supervisor or reinstatement team were deflected each time. No formal escalation path was offered. The accidental closure occurred only 8 days ago. I am requesting PayPal review and reinstate my account. I am willing to provide full identity verification. PayPal has refused to escalate this matter despite repeated attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC
State: MI

Complaint narrative:
Ccfi did, knowingly and intentionally, with the intent of depriving me of personal property : charge two separate bank accounts for an amount that had already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX credit card stolen and XXXX and com set up they also tried to transfer themselves XXXX XX/XX/XXXX & XXXX stole XXXX card to gain access to back XXXX credit card companies and opened accounts but I didn't know where

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
In XX/XX/year> a collection account from Sequium Asset Solutions appeared on my credit report for an XXXX XXXX debt I never opened. I have never had an XXXX XXXX account and never received any communication from Sequium before they started reporting. No debt validation letter was ever sent to me. When I disputed this with the credit bureau, Sequium verified it without providing any original documentation. They can not produce a signed agreement or show how they legally obtained this debt. Reporting an unvalidated debt I do not recognize is a direct violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
My card was frozen according Bilt/XXXX due to suspicious activities. There were no suspicious, all transactions were legitimate. I called daily and contacted them daily to unfreeze my card so I could resume purchases but had received no response. I paid {$500.00} a year for this card. They requested a selfie with ID which I thought was sketchy but sent it anyway, its been 7 days and I still cant use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation