vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have 2 credit cards with Chase bank. I have paid these cards on time and have never been late. I had credit limits of {$15000.00} on both cards. Chase bank dropped my limits and this has had a detrimental drop in my credit score. I called them to get an understanding as to why this was done. The only reason they gave me was that they sometimes randomly pull credit reports to see credit card usage and decided to reduce my limit. Needless to say, they caused my XXXX score to plummet. The limit that it was reduced to now appears that I am almost maxed out. I feel that I was targeted. In today 's economic condition with rising costs, the use of credit cards is helping americans " get by ''. Now my XXXX score has made it almost impossible to obtain a consolidation loan to pay these 2 cards off. Please help! I have valued my credit report all of my life. I am XXXX XXXX XXXX and still fully employed with my job for 18 years. I was not a credit risk for them to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: AL

Complaint narrative:
card details XXXX XXXX Email : XXXX XXXX Someone changed the email and phone number on my account. If you find my account, please add my new email and phone number. new email : XXXX phon namber XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint regarding an unresolved account servicing issue with Affirm that has resulted in my account being locked despite my repeated attempts to resolve the matter in good faith. In 2025, I used Affirm for a purchase and successfully paid the balance except for a remaining one cent ( {$0.00} ). The remaining balance is tied to a bank account that has since been permanently closed because I changed banking institutions. I have repeatedly contacted Affirm to resolve this issue and complete the payment. I informed them that the original bank account can no longer be accessed or reopened, and I requested to update my payment method to a new bank account or simply pay the balance using my debit card. I even offered to pay more than the amount owed just to resolve the issue. Despite these efforts, Affirm has refused or failed to provide a workable solution. Their system does not allow me to remove or replace the old bank account connected to the payment attempt, and customer service representatives have repeatedly been unhelpful. On multiple occasions, representatives were rude, refused to escalate the issue properly, or disconnected calls while I was attempting to get assistance. As a result, my account remains locked over a one-cent balance that I am actively trying to pay. I believe this reflects a serious failure in account servicing and customer support. I am concerned this could eventually cause unnecessary credit harm or other financial consequences despite my documented attempts to resolve the issue. I am requesting that Affirm : Allow me to update my payment method immediately Accept payment through an alternate method Remove the account restriction once payment is completed Review the conduct and handling of my prior customer service interactions Confirm that no negative credit reporting or collections activity will occur related to this issue I am willing and attempting to pay the outstanding balance, but Affirms system and representatives are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My TD Bank account has reportedly remained frozen since XX/XX/year> due to a levy issue. I previously filed a CFPB complaint, and TD Bank responded stating they had not received the levy release from the NY XXXX department. However, the NY XXXX department confirmed to me that they resent the release to TD Bank multiple times by both email and fax. The latest transmission was sent on XX/XX/year> at approximately XXXX PM. According to the NY XXXX department, this is now the third and final time the release has been sent to TD Bank. They informed me there is nothing further they can do on their end if TD Bank still claims they can not locate the release. The NY XXXX department advised that if TD Bank can not find the release in its records, TD Bank should contact them directly for verification and further information at : XXXX ( XXXX ) XXXX The XXXX department also informed me that they attempted to contact TD Bank directly themselves but received no response. In addition, XXXX XXXX, a TD Bank XXXX Experience Advocate, previously provided me with the following number for follow-up regarding this matter : ( XXXX ) XXXX However, despite multiple calls and voicemails left requesting assistance, I have not received any callback or response. I also visited TD Bank branches in XXXX and XXXX where branch employees attempted to contact the TD Bank XXXX department on my behalf for over XXXX hours without success. At this point, I have made repeated efforts to resolve this issue, but my account remains frozen and I have been unable to receive assistance or confirmation from TD Bank regarding the levy release that has already been resent multiple times. I am requesting urgent review, direct communication with the NY XXXX department if necessary, and immediate resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX XXXX : On XX/XX/XXXX, I opened a claim with bank of America after noticing my balance was lower than I remember. I looked through the card history and saw withdrawals Im sure I didnt authorize. An atm Withdrawal on XX/XX/XXXX from XXXX XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX. And a withdrawal XX/XX/XXXX at BKOFAMERICA ATM XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX. As the bank agent looked through the account he saw other atm withdrawl, which i didnt authorize. XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : BKOFAMERICA ATM XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXX XXXX. These were added to my claim and was informed that these were all atm withdrawals. The Total amount stolen from me was {$1200.00} and cents. At that time XX/XX/XXXX had lost my card previously and I was waiting for my new card to arrive, after noticing the XX/XX/XXXX withdrawal weeks prior. I was issued temporary funds on 2 days later. On XX/XX/XXXX I received a. voice message requesting I call back to answer additional questions. On XX/XX/XXXX XXXX XXXX they closed the claim before I could provide the additional information. On XX/XX/XXXX at XXXX XXXX they answered my call and I requested they reopen the claim, which they did at XXXX XXXX. On XX/XX/XXXX I got a voicemail at XXXX XXXX, requesting additional information and I called them at XXXX XXXX. They questioned they asked were My Name, A Summary of my claim, If I have ny physical card-which I have now because they sent me one after I filed the initial claim-, and If I have any additional questions. They didnt inquire about new information regarding the claim, so I did my best to explain my situation as a an XXXX XXXX student and My lack of atm usage. Still on XX/XX/XXXX at XXXX XXXX they closed my claim and didnt approve it. On XX/XX/XXXX at I called them to request additional information about why my claim was denied beside, actions were authorized by me. They stated that I could call them again to request the documents they used to make that decision. On XX/XX/XXXX I called them, and requested the documents. They did not give me the documents or email them to me. They ignored my request and instead told me to get a police report. Which I Faxed over to them but so far there is no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My name is XXXX XXXX. ON XX/XX/year> CITIBANK CLOSED MY SAVINGS. THE BACK OFFICE BLOCKED MY SAVINGS ACCOUNT AND CHECKING ACCOUNT BECAUSE THEY HAD TO REVIEW MY ACCOUNT WITHOUT INFORMING ME WHY. THEY TOLD ME TO WAIT AND TO CALL BACK IN 24-48 HOURS. AFTER I CALLED BACK AFTER 24-48 HOURS, THE FRAUD DEPARTMENT INFORMED ME THEY'RE CLOSING MY ACCOUNT AND TO WAIT FOR THE LETTER. I HAD {$58000.00} IN MY SAVINGS ACCOUNT. I KEEP CALLING THE FRAUD DEPARTMENT AND ACCOUNT SPECIALIST ABOUT EXPEDITING TO RECEIVE MY FUNDS SOONER ACCORDING TO THE LETTER. THE FRAUD DEPARTMENT AND ACCOUNT SPECIALIST KEEP SAYING I CAN NOT EXPEDITE WITHOUT TELLING ME WHY. ACCORDING TO THE LETTER, IT SAYS THAT I CAN EXPEDITE TO RECEIVE MY FUNDS FASTER BY CALLING THE NUMBER OR GOING TO THE BRANCH. THE FRAUD DEPARTMENT AND ACCOUNT SPECIALIST INFORMED ME THAT I HAVE TO WAIT 30-60 DAYS TO RECEIVE MY FUNDS IN A CHECK WHEN I INFORMED THEM THAT I HAVE BILLS, TICKETS, AND CAR PAYMENTS TO PAY AND KIDS BIRTHDAYS TO PAY FOR. THEY SAID TO WAIT 30-60 DAYS FOR MY CHECK TO COME IN THE MAIL. HOWEVER, THE FRAUD DEPARTMENT SAID THAT THE ACCOUNT IS IN THE PROCESS OF BEING CLOSED IN 30-60 DAYS AND TO WAIT 5-7 BUSINESS DAYS FOR MY CHECK TO COME IN THE MAIL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP
State: NY

Complaint narrative:
KeyBank implemented a new inactivity fee on my NY State Unemployment Key2Benefits card effective XX/XX/year>. I attempted to call customer service multiple times prior to this date to withdraw my balance, but was unable to reach a representative due to extreme hold times/system issues. I finally reached an agent in XXXX who acknowledged my balance was {$41.00}, but stated a {$10.00} fee had already been assessed. I received a check for {$31.00} on XX/XX/year>. I am requesting a refund of the {$10.00} fee as I made every reasonable effort to access my funds prior to the fee implementation date but was prevented by the bank 's lack of phone availability.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally dispute false, inaccurate, and unverifiable information appearing on my consumer credit report. After multiple reviews and failed attempts at proper reinvestigation, it has become clear that your continued possession and transmission of this data constitutes criminal misuse of my personal identity under XXXX XXXX XXXX XXXX Aggravated Identity Theft. Your agency is using my name, Social Security number, date of birth, and other identifying information to distribute false and unverifiable data, such as alleged late payments, incorrect balances, and other negative account information. Despite prior notices disputing these entries, you have continued to furnish this data without producing : Any original contracts or applications, Complete payment records, Or legally admissible proof of the validity of the derogatory entries. As a result, you are knowingly publishing and transmitting false data tied to my personal identity without lawful authority. The continued use of unverifiable information attached to my identity after dispute, and your failure to lawfully validate it constitutes aggravated identity theft under federal law. While some accounts may have originated from me, the inaccurate negative information being published now is false, lacks verification, and is being attached to my identity in a misleading and harmful manner. You are knowingly attributing inaccurate financial behavior to me, damaging my reputation, and using my PII to falsely profile me in violation of federal and consumer protection statutes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : DISPUTED DEBT NOTICE OF IMPROPER REFERRAL Original Creditor : XXXX XXXXXXXX XXXX XXXX Violation # : XXXX Account # : XXXX Alleged Balance : {$830.00} What ACTUALLY happened : Penalties added before dispute was resolved You were NOT given a decision first No fair opportunity to cure the issue This is your first major failure point Step 5 PREMATURE PENALTY ESCALATION {$750.00} in penalties added Fees applied while : Dispute still pending Decision not communicated Argument : Penalties were imposed without completed adjudication Step 6 ACCOUNT SENT TO COLLECTIONS ( SECOND FAILURE ) Account referred to collection agency Occurred before you received dispute outcome This is your strongest point : The account was escalated externally without resolving the internal dispute process WHY THIS IS A BIG DEAL This creates a chain of violations in process logic : You were denied : Due process ( no decision before penalties ) Opportunity to resolve voluntarily Proper notice of escalation STEP-BY-STEP FAILURE SUMMARY Failure 1 : Dispute filed NOT resolved before penalties Failure 2 : Penalties applied WITHOUT adjudication Failure 3 : Sent to collections BEFORE dispute outcome LEGAL / ADMINISTRATIVE POSITION ( KEEP SIMPLE ) You argue : This account was escalated through enforcement channels before the required dispute process was completed. Thats it simple and strong. HOW TO PRESENT THIS ( IMPORTANT ) When speaking, say : Let me be clear I filed a dispute, and before I even received a response, penalties were applied and the account was sent to collections. That means the process was never completed properly. Then hit them with THIS line : Enforcement actions happened before adjudication. Thats why the fees are invalid. YOUR DEMAND ( LOGICALLY SUPPORTED ) Because of the timeline failure : VALID : You pay tolls ( {$85.00} ) INVALID : {$750.00} penalties Collection escalation Additional enforcement WHY THIS ARGUMENT WORKS Because you're not saying : I dont owe anything Youre saying : You skipped required steps and escalated early fix it. That puts THEM at fault. SHORT VERSION ( IF YOU NEED TO USE FAST ) If you only say ONE thing, say this : I had an active dispute, and the account was sent to collections before I got the result. That should never have happened. WHAT THIS USUALLY TRIGGERS Supervisor escalation Internal review Fee removal ( common outcome ) Collections pullback

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
XXXX XXXX ( Zions Bancorporation, N.A. ) charged my business 74 monthly " Analysis Service Fees '' totaling {$12000.00} on account ending XXXX between XX/XX/XXXX and XX/XX/XXXX. I am requesting refund of the remaining {$11000.00} ( net of a {$900.00} partial refund ). A complete indexed evidence package ( Documents XXXX ) supports this complaint. In XX/XX/XXXX, the bank converted my account from " Business Checking '' to " Commercial Analyzed Checking '' without my authorization or notice to administer an AR factoring relationship with XXXX XXXX XXXXXXXX XXXX. The bank 's own application form ( Doc 15 ) lists my account as a " Business Bank Account '' with no lockbox just weeks earlier. My contemporaneous email to the bank 's relationship manager ( Doc 09 ) shows I learned of the conversion only after it occurred. There is no customer authorization for the conversion in either party 's records. The factoring/lockbox relationship was terminated by mutual written consent on XX/XX/XXXX, documented by signed Release ( Doc 03 ), Closing Guidelines with lockbox elected closed ( Doc 04 ), the bank 's own notarized Cancellation of Remittance Instructions ( Doc 05 ), and VP email confirmation ( Doc 06 ). Despite this, the bank kept charging the Analysis Service Fee for six more years. When I questioned the fee in XXXX ( Doc XXXX ), the bank 's representative described it as " an activity volume fee for a business account '' a description that did not match the actual product or disclose the connection to the cancelled factoring relationship. In XX/XX/XXXX, after I raised this dispute, the bank unilaterally converted my account back to " Business Inspire Checking '' without my request ( Docs 1112 ) and refunded XXXX months of fees ( {$900.00} ) as a " courtesy. '' By letter dated XX/XX/XXXX ( Doc XXXX ), the bank denied a full refund, citing a duty-to-examine clause and a one-year limitation. Critically, that same letter admits the XXXX conversion was made " to support the AR Factoring and lockbox services '' that were " subsequently cancelled in XXXX '' conceding the product existed only to support a relationship that ended XXXX years before the bank undid it. The bank 's duty-to-examine defense fails because I did inquire in XXXX and was misinformed. Its one-year limitation defense ignores the continuing-wrong rule, the Texas discovery rule, and concealment tolling from the XXXX misrepresentation. The bank 's own XX/XX/XXXX product conversion contradicts its claim that the fees were properly charged. My written rebuttal to the bank is XXXX XXXX ; the fee tally is XXXX XXXX. I request that the bank refund {$11000.00} plus interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Transactions that were unauthorized and fraudulent from Chase checking account. I disputed these amounts taken from my account to Chase, they said they can not refund. 1 ) XX/XX/XXXX - {$9000.00} XXXX ) XX/XX/XXXX - {$6000.00} I disputed two unauthorized and fraudulent charges made from me and my dad 's Chase account. My dad is XXXX XXXX and is XXXX XXXX XXXX. Neither one of us made these ACH transactions. After disputing these transaction to Chase bank multiple times, they finally mailed me their supporting documentation which shows the below : Transaction Date Description Transaction XXXX XX/XX/XXXX XXXX XXXX XXXX {$9000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$6000.00} Neither me nor my dad who is at high risk for elderly scams recognize the vendor under the description, when you google it, nothing comes up. Chase bank keeps telling me its some type of club membership but they are just lying and have no support for that. Chase keeps saying I need to call the vendor number listed under description which is XXXX. That is a Texas number and no one picks up ( my dad lives in CA and I live in GA ). Then Chase said these ACH transactions were received by XXXX XXXX so they can not refund me and that I need to speak with XXXX XXXX to see who the end recipient is. I spoke to XXXX XXXX and they said the company ID of XXXX is XXXX and they said thats XXXX. My XXXX XXXX XXXX dad doesnt even know what XXXX XXXX. I called XXXX and they confirmed that there were no funds received from my Chase account number ( I have an email from them as support ). I forwarded this to Chase and they are ignoring me. This is a lot of money and I still dont know who received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
my account was freeze and a lein without proper information it was my pension and social security check and cd. the debto never served me any court paper nor did i ever signed a certified mail. i explained that its against the law to hold social secrity check and and thing with my pension they acknowledge it in there paper but refused to release my account. no one will call nor write me back. i visited the and talked with manager in XXXX IL Manager is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am writing regarding the fraudulent accounts currently being reported under my name. I have already submitted all requested documentation, including my police report and Identity Theft Report, proving that these accounts were opened and/or used as a result of fraud and identity theft. After reviewing my documents, your company acknowledged the fraud and removed XXXX of the accounts from my credit profile. However, the second account still remains, even though it is tied to the exact same identity theft situation and should have been removed as well. Both accounts are the direct result of fraud, and it is inaccurate and unfair to continue reporting XXXX while admitting the other was fraudulent. I am formally requesting that the remaining account be immediately deleted from all credit reporting agencies and that all collection activity cease on this matter. Please update your records accordingly and provide written confirmation once the account has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
I disputed the accuracy of this account and requested specific supporting documentation, including the date of first delinquency and payment history. The company responded only with a notice showing that the account was purchased from Bounce AI company has not verifed the accuracy of the account information being reported. I am requesting that the company either provide complete documentation or delete the account from all credit reporting agencies. Letters have been sent XX/XX/XXXX, XX/XX/XXXX and XXXX with no response

Company response to consumer: Closed with explanation