vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: GA

Complaint narrative:
I received a XXXX credit card in the mail with my name for which I did not apply on Saturday XX/XX/year>. The card has a chip and CVV and exp date and full account number. I promptly called the company, CHIME, to see if an account was actually created or was just means of sending out cards in order for people to join. I selected the fraud department and requested if there was an active account or if an account had been created. They wanted me to give more information that I was not comfortable giving them. I told them that any and all activity should be considered fraudulent. I requested the account be closed. They refused to answer additional questions about the origin of the card. I requested a supervisor multiple times to which the same script was given. I was never transferred to a supervisor or manager as requested and the script kept rolling. Eventually they just hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Company Complained Against : Wells Fargo Bank , N.A . Consumer Threat/Issue : Problem with a temporarily or permanently closed account / Withholding funds Description of Incident : I am filing a formal complaint against Wells Fargo Bank regarding the unlawful, indefinite withholding of my funds totaling {$12000.00}. My account has been frozen since XX/XX/XXXX following an internal hold placed on a deposited cashier 's check. Since XX/XX/XXXX, Wells Fargo Loss Prevention has engaged in a predatory pattern of rolling, consecutive extensions without providing me with any formal written notice, adverse action documentation, or valid legal reasoning under Federal Reserve Regulation CC. The bank initially projected account closure for XX/XX/XXXX. They then extended the date to XX/XX/XXXX, extended it a second time to XX/XX/XXXX, and have now extended it yet again into XXXX. The {$12000.00} balance consists entirely of a cashier 's check. I have verified directly with the issuing financial institution that the check is valid, fully cleared, completely settled, and that no fraud claims, stop-payments, or disputes have been filed against it. The funds are legally mine and are sitting in Wells Fargo 's possession. Despite locking my ability to withdraw my money, Wells Fargo continues to allow the account to accept incoming deposits, compounding my financial risk. Wells Fargos actions violate the spirit of Regulation CC regarding reasonable hold times. By continuously renewing internal investigation timelines without resolution or communication, they are unfairly depriving me of my livelihood and financial property. Wells Fargo is freezing my account balance of {$12000.00} on a pending closure. Their letter claims they are waiting for a fund return request from [ chase bank ]. However, the sending bank has explicitly stated they are not requesting a return. Wells Fargo is holding my funds indefinitely based on a request that does not exist. I demand the immediate release and mailing of my remaining undisputed balance. Desired Resolution : I demand that Wells Fargo immediately terminate these arbitrary timeline extensions, permanently close the account, and issue a cashier 's check or official manager 's check for my full remaining balance of {$12000.00} mailed to my verified address on file without further 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 2026-06-06 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: Chime Financial Inc
State: MD

Complaint narrative:
First I'll start by saying I bank with chime. About 2 years ago I started noticing charges from a merchant named XXXX XXXX and then the merchants name whether it be XXXX XXXX XXXX XXXX XXXX or XXXX or XXXX XXXX so I contacted chime to let them know what the situation was and that it was an unauthorized charge and they instructed me to put in a dispute about the chargers which in turn had them deactivate my current physical debit card send me out a new card and then dispute the chargers over the past 2 years this has happened a total of four times maybe five each time I've been able to dispute the charges and receive my funds back to my account this time around the same thing happened I filed the claim they deactivated my physical card sent me out a new card and then turn also denied the claim so I resubmitted the claim and then they in turn sent me out another card the car they sent out I had activated once I got it to make a purchase and after activating the card I started receiving these fraudulent charges from this XXXX XXXX merchant or whatever you want to call it so I then had to go in and resubmit the claims again in all the additional charges that were hit on my account and now currently in the process of waiting for the claims to be resolved I've been waiting for 6 days at this point today is XX/XX/XXXX still no resolution

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: Kriya Capital, LLC
State: NC

Complaint narrative:
I am filing this complaint because this company is reporting information to my consumer credit reports that is inaccurate, incomplete, and/or does not belong to me. ( Amount {$870.00} opned on XX/XX/year> ) I have disputed this account and requested validation and verification of the alleged debt ; however, the company continues to report the account without providing sufficient evidence that I am legally responsible for it.

Company response to consumer: Closed with non-monetary relief
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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I filed PayPal case XXXX XXXX XX/XX/year>. The case is still listed as Under Review with an estimated resolution date of XX/XX/year>. This issue happened while I was at XXXX trying to resolve an urgent rental car/transportation situation. I was under significant emotional stress because I needed access to my money to deal with the rental issue and avoid being stranded. I was relying on PayPal support for clear, practical help, but instead I felt pushed/rushed into making a cash-out transfer decision before I had a fair opportunity to understand the consequences or choose the correct account/card. My complaint is not that I could not locate the payment. I located the payment. My complaint is that PayPal supports handling and guidance caused me to make a transfer decision that made the money unusable to me. The funds were sent to an account that was already overdrawn, which left me without practical access to the money I needed for transportation and the XXXX situation. During this process, I spoke with a PayPal representative who told me he was the highest supervisor I could speak with. Instead of providing meaningful help or a practical resolution, he told me why it was important to have more than one bank account. Given that I was already in a stressful and urgent situation, that response felt dismissive and unhelpful, and it did not address the problem PayPal support had helped create. I provided PayPal with additional information and repeatedly tried to get help. On XX/XX/year>, I made a final request through PayPal Assistant asking for escalation to a live representative, supervisor, or complaints specialist. PayPals automated response stated that the case had already been escalated for PayPal review, but it did not provide a live representative, supervisor review, written explanation, or resolution. I sent PayPal the CFPB packet that I included here as an attachment on XX/XX/year> after they denied my original dispute without actually investigating my claim. I submitted the attached packet in my appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I dispute this collection account. The alleged debt arose from an apartment lease that ended XX/XX/year>. Neither I nor the resident received an itemized move-out statement or accounting supporting the balance. The debt collector has not provided documentation substantiating the {$7800.00} amount despite my dispute. The related court action was dismissed without a judgment. Please verify the accuracy of this account and provide the documentation relied upon for reporting.

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

Complaint narrative:
Paypal completely removes the security of my account EVERY SINGLE TIME THAT I MAKE A PURCHASE, EVERY SINGLE TIME, EVERY SINGLE TIME. Every single purchase that I make it sends me an email notifying me that the next time I make a purchase I will no longer need to use my password. If I don't like this move that they have forced upon me, I can go into their system and remove it for that particular device but the removal lasts only until the next purchase I make and then the whole thing starts over again. Once I've made a purchase from any device, it will bypass the password step and allow me to make purchases in unlimited supply with no password or verification that I am the account owner needed. If anyone can make any purchase they want using any device that I have used, then my account is not secure.I should be allowed to use my password to make a purchase. Honestly, I think I should be required to use my password unless I am stupid enough to opt out. Paypal is intentionally forcing an unskippable loop to disable password protection, overriding my privacy and security preferences on every single device on every single purchase. This creates unauthorized access risks to my linked banking funds.I have contacted them many times about this and filed a complaint with the better business bureau but they do nothing to make users ' accounts secure.Paypal is basically working overtime to make users ' accounts insecure and guarantee that anyone who wants to but stuff with the account can do so at any time with no penalty

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I received a fake letter from FNBO saying I own them money when in fact Ive never had an account with this bank and Ive never even heard of them. I called the actual real bank not the number on the letter and confirmed that I dont have an account with them and therefore dont have an outstanding balance since I dont even have a card or account.

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 — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc.
State: FL

Complaint narrative:
I have two separate companies attempting to collect on a debt at once. I have asked SIMM to provide proof that I owe this debt to them or to stop collection attempts ; they have not done either. I have asked XXXX XXXX XXXX XXXX to stop calling me incessantly as well, which has not stopped. XXXX XXXX XXXX has listed themselves as the original creditor on my credit reports, and I have no clue what this debt pertains to. In the emails from them, it states Regarding your personal loan originated with XXXX XXXX XXXX and I have never had a person loan for that amount, nor do I know what that bank even is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
I am filing this complaint against Americollect , Inc. regarding a medical collection account that continues to be reported on my consumer credit reports despite my written dispute and request for validation. On XX/XX/year>, I mailed a written dispute to Americollect , Inc. via certified mail. I have retained copies of my dispute letter, certified mailing receipt, and tracking information confirming delivery. In my dispute, I challenged the validity and accuracy of the alleged debt and requested documentation sufficient to verify the account. As of the date of this complaint, Americollect , Inc. has failed to provide any response whatsoever. I have not received validation of the debt, copies of supporting documentation, results of an investigation, or any explanation addressing the issues raised in my dispute. Despite receiving my dispute, Americollect continues to report this account to the consumer reporting agencies. The continued reporting of a disputed debt without providing verification raises serious concerns regarding the accuracy of the information being furnished and the adequacy of the companys dispute investigation procedures. I dispute the validity, accuracy, completeness, and legal enforceability of this account. To date, Americollect has failed to provide competent evidence establishing that I owe the debt, that the amount being reported is accurate, or that the information furnished to the credit bureaus is complete and verifiable. I request that the CFPB require Americollect , Inc. to : 1. Provide all documentation used to verify the alleged debt. 2. Provide a complete written explanation of the investigation conducted in response to my XX/XX/year> dispute. 3. Identify the original creditor and provide account-level documentation supporting the balance being reported. 4. Cease reporting information that can not be fully substantiated. 5. Request deletion of the account from all consumer reporting agencies if the debt can not be properly verified. I am attaching copies of my dispute letter, certified mail receipt, and delivery confirmation as evidence. Given the companys failure to respond for several months while continuing to report the account, I request a thorough review of its compliance with applicable federal consumer protection laws governing debt collection and credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> Attn : CGPB/ Executive Office / Chief Privacy Officer : JPMorgan Chase & Co . Subject : Formal Privacy Complaint Regarding Forced Biometric Voice ID Enrollment and Lack of Verifiable Opt-Out To Whom It May Concern, I am writing to lodge a formal complaint against Chase Bank regarding its biometric Voice ID program and the deceptive practices surrounding consumer consent. Chase is actively collecting, analyzing, and storing my biometric voice data without my explicit, affirmative consent. Furthermore, the automated phone system provides no immediate, automated way to opt out. Instead, the system forces me to navigate a complex phone tree and speak to a representative just to request an opt-out. This process violates fair consumer practices for the following reasons : 1. Lack of Consent : Staying on a phone line to reach a human should not be treated as implied consent to harvest my biometric data. 2. Forced Interaction : Requiring me to speak to a representative to disengage from voice tracking forces me to feed more voice data into your system just to say " no. '' 3. No Verifiable Tracking : Your system continues to run the Voice ID software during the phone tree, and Chase provides no immediate written or digital confirmation that my voiceprint has actually been deleted after an agent promises to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Statement of Facts I am submitting a complaint regarding an unresolved billing error and inadequate dispute handling by USAA Federal Savings Bank involving a failed ATM transaction. XX/XX/year> : I attempted a cash withdrawal of {$500.00} ( plus a {$4.00} terminal fee ) using my USAA debit card at a XXXX XXXX ATM. o The ATM experienced a terminal error and dispensed no cash. o The machine printed a receipt clearly stating : We aren't able to give cash right now. o Despite receiving no funds, a {$500.00} charge posted to my USAA checking account. o I immediately filed a dispute with USAA. o I also approached a XXXX bank teller, who instructed me to contact USAA. o I attempted to call the XXXX number listed on the ATM receipt but was unable to reach a live representative without a XXXX account number, leaving me without recourse through XXXX. XX/XX/year> : USAA denied my dispute, stating that requested information was not received or was insufficient, despite my documentation and explanation of the failed transaction. XX/XX/year> : I contacted USAA by phone to appeal the denial and formally requested a claim reassertion, explicitly referencing the physical receipt confirming no cash was dispensed. XX/XX/year> : After nearly a month with no status updates in the USAA mobile app, I contacted USAA again to follow up. XX/XX/year> : Immediately following my call, USAA issued two contradictory communications, both digitally dated the same day : 1. One notice stated that my request for reevaluation had just been received. 2. A second notice issued the same day stated a final denial, claiming that a thorough and reasonable investigation had determined that no error occurred. XX/XX/year> : USAA acknowledged receipt of additional documentation to review the denial reason, yet reiterated the same denial language : After reviewing all internal records and relevant information for the dispute, we have determined no error occurred.

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: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I am filing a formal complaint against BMO Bank for a series of severe billing errors, systemic failures, and violations of consumer protection laws under Regulation E. 1. Erroneous Debit : I recently paid off my BMO auto loan account in full. Despite the account being closed and fully satisfied, BMO erroneously initiated an unauthorized ACH automatic debit of {$300.00} from my XXXX checking account on XX/XX/year>. 2. Deceptive/Incompetent Guidance : When I contacted BMO to reverse their error, their customer service explicitly instructed me to contact XXXX to place a stop-payment/dispute on the {$300.00} transaction, rather than initiating an internal reversal. I followed BMOs instructions. 3. Lost Funds ( {$24.00} ) : Simultaneously, I executed a legitimate online transfer of {$24.00} from my BMO checking to my XXXX checking account. Due to the stop-payment block caused by BMO 's prior error, this {$24.00} transfer became trapped in transit. The funds were successfully deducted from my BMO balance but never reached XXXX. 4. Denial of Service : When I attempted to contact BMO via their secure chat platform on XX/XX/year>, to request an ACH trace on my missing {$24.00}, the live agent ( XXXX XXXX ) completely abandoned the chat session without responding, leaving me with no way to resolve the missing funds. BMOs administrative failures have resulted in the loss of my funds and caused significant financial distress. I demand that BMO immediately trace the missing {$24.00}, credit it back to my account, and review their auto-loop closure systems to prevent further unauthorized debits.

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 — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I am filing this complaint because this company is reporting information to my consumer credit reports that is inaccurate, incomplete, and/or does not belong to me. Account amount listed {$310.00} opened XX/XX/year> ) I have disputed this account and requested validation and verification of the alleged debt ; however, the company continues to report the account without providing sufficient evidence that I am legally responsible for it.

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: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I made a payment to keep my credit available as I was near my limit. I then tried to edit my recurring monthly payment. I was not able to edit my monthly recurring payment. This has happened in to consecutive months. I have spent nearly an hour on the phone trying to resolve the issue so far.

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 — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I have two separate companies attempting to collect on a debt at once. I have asked XXXX to provide proof that I owe this debt to them or to stop collection attempts ; they have not done either. I have asked NCB Management Services Inc. to stop calling me incessantly as well, which has not stopped. NCB Management Inc. has listed themselves as the original creditor on my credit reports, and I have no clue what this debt pertains to. In the emails from them, it states Regarding your personal loan originated with XXXX XXXX XXXX and I have never had a person loan for that amount, nor do I know what that bank even is.

Company response to consumer: Closed with explanation