vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: KY

Complaint narrative:
On XX/XX/year>, a transaction occurred on my account in the amount of {$300.00}. I initially filed a dispute regarding this charge through my Credit Karma account.The dispute has since been officially resolved, and the funds rightfully belong to the merchant XXXX XXXX. I have explicitly authorized the bank to return these funds to the merchant, XXXX XXXX, or the dispute was finalized in the merchant 's favor. However, Credit Karma and its partner banking institution have failed to return the funds to the merchant and are improperly withholding the XXXX XX/XX/year>. I contacted customer support and requested an official trace of these funds to locate the money and ensure its return. To date, the bank has failed to provide me with an XXXX XXXX XXXX ( XXXX ), an ACH/wire trace number, or any verifiable proof that the funds have been transmitted back to the merchant.The bank is currently withholding funds that do not belong to them after the dispute closure on XX/XX/year>. I am requesting that the bank immediately release the funds to the merchant, complete the trace, and provide the outbound transaction reference numbers ( such as the XXXX XXXX XXXX XXXX ) to prove the transfer has been completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This complaint is a follow-up to complaint XXXX, filed on XX/XX/XXXX, which remains open. On XX/XX/XXXX, Bank of America issued a second denial on my fraud claim ( claim number XXXX, amount {$1200.00} ). Their stated reason was that " the charge was authorized by you or made by someone who has permission to use the card or account. '' This is false. The charges in question are a series of unauthorized XXXX transactions that began on XX/XX/XXXX. I had not used XXXX personally since XX/XX/XXXX. Bank of America initially issued a provisional credit, then reversed it, and has now denied my re-evaluation request a second time. As of XX/XX/XXXX, Bank of America 's own interim response to my original CFPB complaint states the company is " still working '' on my issue and requires additional time. They simultaneously mailed me a second denial. I am requesting that the CFPB require Bank of America to honor their obligations under Regulation XXXX and return {$1200.00} in unauthorized charges.

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 2026-06-06 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I am a victim of severe identity theft, and a fraudulent Buckle credit card account ( issued by Comenity Bank ) was opened in my name without my knowledge, authorization, or consent. This unauthorized store card account was illegally reported directly to my credit files this XX/XX/year>. I have already taken formal action by filing an official Identity Theft Report with the Federal Trade Commission ( FTC ), which is attached to this complaint as conclusive evidence that this XXXX/Comenity Bank credit account is entirely fraudulent. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), financial institutions and credit providers are strictly prohibited from continuing to report or furnish negative trade lines once they have been formally notified with an official federal report that the account stems from identity theft. Comenity Bank is in direct violation of my consumer rights by continuing to report this fraudulent account, which is severely damaging my credit history and causing me intense financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: OR

Complaint narrative:
I've inherited the house and I'm trying to take over the loan and make the payment to bring the loan current.i sent them everything and the XXXX contacted them they said they hadn't received anything. I tried having them send me list of all documents needed. No response from fay servicing. They know I'm the successor in interest sense I filed bankruptcy to stop the foreclosure almost 3 years ago and I was sending them payments I was injured in a accident last XXXX at XXXX XXXX when a cart let XXXX and a stack of lumber fell on me I wasn't able to work the bankruptcy was dismissed. I've secured the money to pay and bring the loan current. But they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: MD

Complaint narrative:
Jefferson Capital systems filed a collection for XXXX on behalf of XXXX XXXX. Theyre not the original creditor so they need to be removed off my credit report. I do not have a contract with them. They took it upon themselves to buy the paper from XXXX XXXX. but the federal statue is 15 USC 1692G its legal for collection agencies to collect any funds from another company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
US bank charged me for charge backs after a fraud investigation against XXXX XXXX! In which I provided proof of fraud and even XXXX admitting they didn't have the original contract on file to charge my credit card! I provided a police report, all emails from XXXX, and they still denied my claim and stated they were not responsible! XXXX also stated since I reported to my bank they are not responsible for fraudulent charges and the employee is still working in XXXX il location! US bank reversed provisional credits and my debts went to {$3400.00} XXXX closed the account and the deposit of {$3000.00} was taken and I was left with {$400.00} : something odd dollars and now in XX/XX/year> I'm still suffering hardship and they sent me an email with the chance to pay half of my debts off! I want to file a lawsuit! Against US bank and 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 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I sent a XXXX payment for goods/services. The company did not provide the services as promised and did not resolve the issue after I contacted them. I asked for an explanation, proof of work, and a refund, but the matter was not resolved. I then contacted Chase and opened a claim. Chase closed the claim and stated that no action would be taken. I do not believe the claim was properly reviewed, and I am asking for the XXXX transaction dispute to be reopened and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
I have tried numerous times to dispute the accounts listed in my credit report XXXX have been denied, but have an accurate information on it

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 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On May 18/ 2026 I XXXX {$220.00} by mistake to another person who had the same first name of the person I intended XXXX XXXX XXXXXXXX to, from my Region bank. In the same day I opened a dispute on my Region bank app and explained the mistake and asked my bank simply they should withdraw the money since it was the wrong recipient. They simply rejected my dispute after few weeks and told me you made mistake.

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 2026-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation
State: IN

Complaint narrative:
Albert is a banking app that provides same day payday loans. Its very predatory. Ive changed my bank password and username. Ive gotten a new card. And somehow they are still taking my money that I do not agree with. They took {$40.00} from me but it did not outset the debt or anything. The Albert app doesnt even say they ever took my {$40.00} but I have thXXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
Upgrade made a deceitful statement. Everything the company stated in its response happened before I made the XXXX dollar plus change and XXXX dollar plus change arrangments. I submitted XXXX plus change. The company 's app accepted it and then declined it. I submitted XXXX dollars plus change. The company 's app accepted it and then declined it. Upgrade 's response does not discuss these XXXX payments it declined. I sent a pictured of the declined payment the company says it does not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
SUMMARY OF DISPUTE I am not disputing a reservation that I knowingly booked and later chose to cancel. My position has consistently been that I was browsing vacation options on XXXX but did not intentionally complete or authorize the booking that resulted in the {$1100.00} charge. TIMELINE OF EVENTS I visited XXXX website to research and compare vacation options. A reservation was subsequently created and charged to my Wells Fargo account in the amount of {$1100.00}. Upon receiving the reservation confirmation email the following day, I immediately contacted XXXX and advised them that I had not intentionally booked the reservation. I immediately contacted the resort directly and requested cancellation. XXXX informed me that the reservation was considered non-refundable. I advised XXXX that my concern was not that I wanted to cancel a reservation I knowingly made, but rather that I did not intentionally complete the booking process. XXXX attempted multiple times to contact the resort regarding the reservation and my request. The resort never responded to my communications. The resort never responded to XXXX communications. I never checked into the resort. I never traveled to the property. I never used any services associated with the reservation. Wells Fargo denied my dispute based on the merchants cancellation policy. CONCERN WITH THE INVESTIGATION The denial letter states that a cancellation policy was provided and not followed. However, my dispute was not based on a desire to cancel a reservation that I knowingly booked. My dispute concerns whether I intentionally completed and authorized the booking in the first place. I respectfully request review of the evidence relied upon to determine that I knowingly completed and authorized the reservation and accepted the merchants cancellation policy.

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 2026-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
The following hard Inquiries were found on my Credit Report and are inaccurate. I did not authorized nor have knowledge of them. I have contacted the Companies listed below and none of them have any record of me in their system. Nor do they have any contracts, letters, or receipts showing otherwise. I am requesting to have the items removed immediately. 1. AMERICAN CREDIT ACCEPTANCE Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: CA

Complaint narrative:
On XX/XX/XXXX an unauthorized account was created with my information on XXXX XXXX platform. I immediately noticed the emails and they claimed a " withdrawal was denied ''. I immediately checked my bank to notice a transaction from the company in the amount of {$1900.00}. Wells Fargo denied multiple transactions per the emails I received via the person used my email address to remain undetected as they were literally stealing my identity to steal my funds. Multiple transactions denied and Wells Fargo approved a final third transactions attempt of this amount. Upon my quick notice to Wells Fargo they were unaware of the fraud and honored their policy to return my money. A few weeks later I received a notice they planned to take the money back cause they said my card was in my possession. Yes this person created a fake account to use my card electronically. I canceled my card immediately however XX/XX/year>, Wells Fargo took all my money and zeroed out my bank account to retain their money back as their fraud dept has deemed a denial on my fraud report. Wells Fargo has not obliged by their own fraud policies and neither has the cokoanybst hand ( XXXX XXXX ), as Upon reading their policy you must have photo id to open an account however they can not provide such proof to me nor will my financial institution ( Wells Fargo ) request that information. This person clearly has my identification XXXX it's possible Wells Fargo and XXXX has people inside each other 's companies actively preying on peoples money. I am a single mother of twins, i can not pay my rent this month or ANY of my bills due to this lack of oversight on my number of requests for further assistance on this matter since XXXX. It is now XXXX and they finally pushed the claim to XXXX form however not XXXX customer service representative upon my initial calls did anything. They continue to just robotically say " it's been denied. ''

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 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/XXXX. I sent a double payment for {$810.00} to pay-off credit balance. I immediately contacted the company to inform them. They said they would issue a check in XXXX days. I ask if funds can be returned to the bank acct it was pulled from they said no it has to be check. I provide the company with all necessary information to send check. XX/XX/XXXX. I call to get status of my refund and the agent said the check will be mailed on XXXX XXXX. I ask if the check can be canceled and I will work with my bank to get my refund the agent said I will request check be canceled. I open a dispute with my bank the same day. XX/XX/XXXX. I review the app for my credit card to see if there has been any changes to my acct and I see the credit has been removed. I then reach out to my bank to get a update and I was told they are still trying to make contact with the credit card company. XX/XX/XXXX. I check the credit company app and see a credit is back on the acct. I call and speak with an agent to learn why and was informed they do not issue refunds to the bank. They can only issue a paper check.

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 2026-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: AL

Complaint narrative:
I am a victim of severe identity theft, and a fraudulent mobile phone account was opened in my name without my knowledge, authorization, or consent. This unauthorized account has been placed into collections with Source Receivables Management , LLC, and was illegally reported to my credit files this XX/XX/year>. I have already taken formal action by filing an official Identity Theft Report with the Federal Trade Commission ( FTC ), which is attached to this complaint as conclusive evidence that this debt is entirely fraudulent. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), debt XXXX are strictly prohibited from reporting or attempting to collect a debt once they have been formally notified that it stems from identity theft. Source Receivables Management 's reporting is a direct violation of my consumer rights, is severely damaging my credit history, and is causing me undue financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
To Cavalry Portfolio Services / Cavalry SPV I , LLC : I am submitting this as a formal direct dispute regarding Cavalrys continued reporting of this account to XXXX. I have disputed this Cavalry tradeline with XXXX more than ten times. Each time, the account has remained on my credit report despite my submission of the fully executed Settlement Agreement and Release. This is no longer a basic verification issue. This is a specific dispute about Cavalrys continued reporting after Cavalry agreed, in writing, to request deletion of its reporting for this account. The attached Settlement Agreement and Release identifies the subject debt and states that Cavalry would request deletion of its reporting of the tradeline associated with the Cavalry account. The agreement is fully executed and signed by both parties. I am demanding that Cavalry conduct a reasonable investigation into the following : Whether Cavalry submitted a deletion request to XXXX ; The exact date Cavalry submitted the deletion request ; The method used to submit the deletion request ; Whether the deletion request was submitted through a Universal Data Form or another credit reporting update process ; Why Cavalry continues to verify or allow this tradeline to remain on XXXX despite the settlement agreement ; Whether Cavalry will immediately resubmit the deletion request to XXXX. I am not requesting a generic account verification. I am disputing the continued reporting of this tradeline after settlement and after Cavalry agreed to request deletion. If Cavalry has not submitted the deletion request, I demand that Cavalry do so immediately. If Cavalry has submitted it, I request written proof showing when, how, and to whom it was submitted. Please provide a written response with the results of your investigation. If Cavalry continues to verify this account to XXXX without addressing the attached settlement agreement, I will include this direct dispute, the fully executed agreement, my repeated XXXX disputes, and Cavalrys response or failure to respond in a CFPB complaint and any further consumer reporting action. Requested resolution : Cavalry must request deletion of this tradeline from XXXX and provide written confirmation that the deletion request has been submitted. Attached : Fully Executed Settlement Agreement and Release XXXX credit report page showing the Cavalry tradeline

Company response to consumer: Closed with explanation