vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I have a Chase XXXX card. I earned points through this card by making purchases. One of the features of the card is the " pay yourself back '' option which means if you make eligible travel purchases, you can get a credit toward those purchases as XXXX points per dollar. I made an eligible travel purchase and tried to use the pay yourself back option to get a statement credit. The order was processed. However, not long after I processed my order for the statement credit, I received another message saying the order could not be processed and that my points had been credited back. I called Chase about this issue but they told me the problem was with XXXX XXXX and the XXXX program. I then called XXXX XXXX and they told me the problem was with Chase. Since this function is administered by Chase through its interface, this seems to be a technical issue with Chase 's system. Chase owes me a statement credit of {$880.00} and they should redeem XXXX points for that order. This is a credit toward my XXXX lodging purchase on XX/XX/year>. XXXX XXXX said my points are in good standing. There is no issue with my XXXX XXXX account of miles/points.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I tried several times to have this debt verified. They never responded. On XX/XX/year> @ XXXX XXXX I was served to appear in court by Midland Management. When I called the court house they stated the case was scheduled on the same day @ XXXX. They failed to allow me time to respond. They purposely and intentionally served me on the same day, not allowing me time to defend myself. Lack of proper pre-suit process and Defiant Process. These are fraudulent companies. I ask for an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a formal complaint regarding a Macys credit account serviced by Citibank. In XX/XX/XXXX, I purchased a necklace from Macys for approximately {$500.00} and enrolled in an automatic monthly payment plan. My monthly payment was approximately {$31.00} and was automatically deducted from my bank account. At the time of purchase, I was never informed that I would need to make any final manual payment or take any additional action to complete the payment plan. My understanding was that the automatic payment arrangement would continue until the account was fully paid and that no further action would be required from me. Based on the payment amount and term, I reasonably expected the payment plan to be completed in approximately two years, around XX/XX/XXXX. However, automatic payments continued well beyond that date and were not stopped until approximately XX/XX/XXXX. Beginning in XX/XX/XXXX, I contacted Macys customer service numerous times regarding the continued charges and billing statements. During these conversations, multiple Macys representatives informed me that the payment plan should have ended after approximately two years. This confirmed my understanding that the account should have been paid off much earlier. After multiple calls, a supervisor informed me that I no longer needed to make payments and stated that the automatic payment arrangement would be cancelled. The automatic withdrawals were eventually stopped. Despite this, billing statements continued to be issued and I continue to be charged. My current balance remains over {$590.00}, and the balance appears to consist largely of interest charges. My concern is not simply the calculation of interest. My concern is that I was never clearly informed that additional action or a final manual payment would be required to fully satisfy the account. Had I been properly informed, I would have taken immediate action to avoid the account remaining open and accumulating additional interest charges. I have made repeated good-faith efforts to resolve this matter directly with Macys and Citibank, but the account has not been properly reconciled

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 2026-06-10 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: OH

Complaint narrative:
My credit card company keeps denying my claim for a dispute on my card. I placed an order but never received the item. I sent an email to the shipping company and they confirmed they didnt deliver the item and they returned it to XXXX XXXX. Best Buy wont issue me a refund because the shipping company marked it as delivered despite saying they didnt deliver it. Now I submitted the email as proof the item didnt get delivered and they keep denying the dispute

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 2026-06-10 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am submitting a complaint regarding Wells Fargo 's handling of a disputed transaction related to XXXX XXXX. XXXX XXXX filed for bankruptcy and stated that customers with unused flight credits would receive refunds. At the time of the bankruptcy, I had {$200.00} in unused XXXX XXXX flight credits that I intended to use for future travel. Due to the airline 's bankruptcy, I was unable to use those credits. After realizing I had not received a refund, I attempted to resolve the matter directly with XXXX XXXX. XXXX directed me to contact my bank, Wells Fargo, and dispute the transaction through them. Following XXXX 's instructions, I filed a dispute with Wells Fargo on XX/XX/year>. On XX/XX/year>, Wells Fargo denied my claim. I do not believe this dispute was properly investigated or fairly evaluated. I paid for airline services that were ultimately not provided, and I was left with unusable flight credits due to circumstances outside of my control. Despite following the guidance provided by the merchant and submitting a dispute through my financial institution, my claim was denied without what appears to be adequate consideration of the facts. I am requesting that Wells Fargo review this matter again, conduct a thorough investigation, and provide a detailed explanation for the denial. I am also requesting reimbursement of the {$200.00} associated with the unused XXXX XXXX credits that I was unable to use because of the airline 's bankruptcy.

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 2026-06-10 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:
I filed a transaction dispute with Cash App on XX/XX/XXXX. As of today, XX/XX/XXXX, it has been 50 days. Cash App has breached its standard 45-day investigation window, refuses to provide a final decision, and has denied my request for a provisional credit. The merchant defrauded me, and Cash App is keeping my funds in limbo. I am requesting that XXXX XXXX XXXX immediately issue my full refund or provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I received an email from Commenity bank for the XXXX card for a bill for {$18.00} due XX/XX/XXXX. I have not used this card in over 6 months and I paid a past amount due in XXXX. XXXX charged me a late fee of {$37.00}. I paid that late fee in XXXX and it posted in XXXX so that it will be on time by XX/XX/year>. In XXXX, I made two payments of {$37.00} dollars. I have not made any recent purchases and my last payment posted on XXXX. I should not have a payment for XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
I am filing a formal compliance complaint against Current for failure to properly investigate a documented instance of systemic Transaction Routing Fraud and Merchant Category Code ( MCC ) Miscoding under card network rules. The merchant, XXXX XXXX ( operating under the domain americanluck.com ), operates an online gambling platform. The merchant explicitly brands itself on its homepage as the " # 1 Social Casino in the United States '' and mandates a strict 18+ age restriction for US players. Despite this undeniable casino branding, Current processed a total of {$1500.00} worth of transactions between XXXX and XX/XX/XXXX under the benign category of " Entertainment ''. This allowed the merchant to circumvent high-risk filters and AML screening protocols. Under card network regulations, transactions authorized via deliberate misrepresentation of their true nature are void ab initio. On XX/XX/XXXX, Current issued a boilerplate rejection letter, completely ignoring the institutional compliance infraction and evaluating my claim under mismatched consumer " goods/services rendered '' metrics. Current 's front-line dispute team failed to conduct a proper routing fraud audit despite prima facie evidence being uploaded directly into the account portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OH

Complaint narrative:
The company cashapp closed my account and said it was for violating terms and conditions last week but gave me the option to file an appeal. I had not broke terms or conditions, I had been using this account for quite some time, had increased my borrow and pay over time limits, had got green status with them, and then all of a sudden my account is closed. I filed an appeal, including the information they told me to include about what I could have thought could possibly be a reason they closed it. So I had told them how I make all of my payments at once to them as soon as I get my paycheck so that I don't miss any and am not spending money I don't have, so it will show a bunch of payments to them at once. I told them I can show them proof of XXXX thinking it's fraud as well and me having to confirm it with them that I am making repeating payments to cashapp. I also told them I had changed debit cards once or twice because my debit card had been hacked. I sent this information in an email and then talked to someone with cashapp support directly and was told they had added notes to my account and gave me a case number to be able to follow up. I was notified today that my account is still remaining closed when I truly did not break terms and violations and worked forever to get my limits where they were with them. And I wasn't told what I was being accused of violating just that my account would remain closed. I was notified asked for my proof or anything like that just that it would stay closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: NC

Complaint narrative:
My husband passed away and had an account with XXXX. I had to open and estate and get information on all of his accounts. I completed the verification process with Crypto.com, which was shady. They kept saying they could not accept my documents. These were the same documents that I provided to every other financial institution and had no issues. I finally got through that process but they refused to provide me with an account statement showing me the funds and stocks that my husband held. After a good deal of back and forth they agreed to write me a statement for the court that stated how much was in his account. They are still refusing to provide the proof and detailed account of what they are indicating was in his account. I have been trying since XX/XX/year> to cash out his account so I can get the estate wrapped up. The are refusing to pay me the funds. They have provided false email address to escalate complaints to. They have provided me with incorrect information regarding their Arbiter. They have violated the complaint resolution policy they provided to me numerous times. They have had me stay in a chat since XX/XX/year> with no resolution ( chat is still open right now ). I have still shots and a video recording of the entire chat. I have chat IDs and emails from previous contacts. I didn't start noting every little conversation or encounter until I realized they are intentionally trying to withhold my husband 's funds and deceive members. I hope I am able to provide you with some of the evidence because this is bad. There are families out there with a lot more skin in the game that are being defrauded and victimized. Please note that my name has changed from XXXX XXXX to XXXX XXXX XXXX XXXX. I have a video of the chat that I have been in for a month which gives a good picture of what is going on. I can't get it to upload. I can provide it upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE INQUIRIES ARE ERRONEOUS AND DO NOT REPRESENT ANY AUTHORIZED OR VALID CREDIT ACTIVITY ON MY PART. I DID NOT GRANT PERMISSION FOR THESE ACCESS EVENTS, AND THEIR INCLUSION ON MY CREDIT REPORT IS UNJUSTLY AFFECTING MY CREDIT STANDING. I AM FORMALLY CHALLENGING THESE ENTRIES AND DEMAND A DETAILED REVIEW AND PROPER AUTHENTICATION. IF THEY CAN NOT BE SUBSTANTIATED WITH ADEQUATE DOCUMENTATION, THEY MUST BE REMOVED PROMPTLY.

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 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ACCOUNT IS NOT MINE AND HAS BEEN INCORRECTLY PLACED ON MY CREDIT REPORT. I HAVE NEVER INITIATED, HELD, OR PERMITTED THIS ACCOUNT AND HAVE NO INVOLVEMENT WITH IT WHATSOEVER. ITS INCLUSION ON MY REPORT IS ERRONEOUS, DECEPTIVE, AND DOES NOT ACCURATELY REPRESENT MY CREDIT PROFILE. I AM FORMALLY CHALLENGING THIS ENTRY AND REQUEST A COMPREHENSIVE REVIEW AND PROPER AUTHENTICATION. IF YOU ARE UNABLE TO PROVIDE VALID AND COMPLETE EVIDENCE CONNECTING THIS ACCOUNT TO ME, IT MUST BE DELETED FROM MY CREDIT REPORT WITHOUT DELAY.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I deposited my company issued check for payroll on Saturday XXXX. On XXXX XXXXXXXX it processed. I noticed the balance was still off in my account on XXXX XXXXXXXX so I called PNC. That's when they told me the check was on hold and flagged for fraud. I asked them what they needed to release my funds. After XXXX hours of calls/being on hold, I got them the information for XXXX ( check issuer ) payroll XXXX. I spoke with a representative at XXXX XXXX, who spoke to XXXX XXXX at XXXX and she confirmed the check was valid and should be processed. At that point, the fraud member of PNCs team on a recorded line advised she was releasing the hold and the funds would be available by end of day. I woke up today, XX/XX/year> and the funds were still unavailable and my account was now overdraft by XXXX. I called back to the fraud department who said the check is still locked and they can not use the conversation with XXXX to release my funds. I asked for a supervisor and they advised they couldn't get me to one and one would call me back. I've spent XXXX hours to this point to access MY funds. The incompetence of the fraud department is unbelievable. This same company has been providing direct deposits into my account for XXXX years ... why would you not take that into consideration along with my XXXX years banking with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
" Bridgecrest issued an official IRS Form 1099-C with Code H ( Actual Discharge ) for my auto loan. By law, Code H means the debt has been fully canceled and discharged. However, Bridgecrest has not zeroed out my account, is keeping the balance active in their system, and is illegally reporting me as '30 days late ' to the credit bureaus. When I called Bridgecrest Customer Service on XX/XX/year>, to dispute this and ask for my lien release, the agents refused to transfer me to a supervisor or the titles department and hung up on me. Bridgecrest is violating the Fair Credit Reporting Act ( FCRA ) and engaging in deceptive collection practices on a discharged debt. I demand they update my credit report to a {$0.00} balance, mark the account closed/Paid in Full, and mail my physical Lien Release Letter/Notice of SIF immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received the below email : You successfully deleted a transfer recipient. Deleted recipient XXXX XXXX XXXX of XXXX If you did not request to delete this recipient, please call us immediately at XXXX. I did not request to delete the recipient. When I called the number, I ended up getting transferred around XXXX over XXXX minutes. No one knew anything. Extremely frustrating. No resolution.

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 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Someone have been buying a XXXX digtal product on my account for months.Ive had {$540.00} worth of money taken from me and Wells Fargo refuses to help. Also another {$100.00} in overdraft fees. Only thing they did was ship me a new card. When activated the XXXX product was being bought again.They then again sent another card but was not going to activate knowing the problem will occur. When called again they told me I been authorizing the purchases from a text message. Ive never recieved a message and when I asked to reset the phone number on my account I was told no. Then a few days later was mailed a paper saying there was no way to get the money back and the case is permently closed. Theres a screenshot of a purchase made in XXXXXXXX XXXX. That was the first time I noticed it on XXXX.Ever since it been none stop.

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 2026-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
This complaint involves two fraudulent accounts that are the result of identity theft. 1. Santander Consumer USA auto loan in the amount of approximately {$5100.00}. This account was previously removed from my credit reports after an identity theft dispute, then later reinserted approximately six months later without my authorization. I filed an identity theft report and submitted documentation to Santander after they requested additional information. It has been about one month and the account is still being reported. 2. U.S. Bank charge-off in the amount of approximately {$730.00}. This account is also not mine. I previously disputed this account directly with the company and requested validation, including proof I opened or authorized the account. The company did not provide documentation proving I am responsible for this debt, yet the account continues to be reported. I am requesting a full investigation of both accounts as identity theft, removal or blocking of the fraudulent accounts from my credit reports, and copies of any documents used to verify that I am responsible for these accounts.

Company response to consumer: Closed with non-monetary relief