vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 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: CA

Complaint narrative:
On XX/XX/XXXX at roughly XXXX in the morning I went to Bank of America on XXXX XXXX in XXXX XXXX XXXX. I used the ATM to withdraw {$240.00} the machine started to give me my money then it made a funny noise started shaking and took my money back. I went into the bank to let them know, there were three other people in there with the same complaint. Their security guard outside knew this is happening and did not say anything, I filed a complaint with them in regards to the ATM and got a police report. I have been in contact with the bank numerous times and they have not done anything about getting me my money back. I have all the information and regards to the ATM machine that was broken, they finally went out there 15 minutes later and put a broken sign on it. Once I get my money back from Bank of America I will be closing all accounts with them.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this is XXXX  unrecognized and I would like for it to be removed immediately.

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 2025-12-30 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: GA

Complaint narrative:
On XXXX XXXX, XXXX around XXXX XXXX $ was taken out of my Chime bank account. It says it was spent on grocies at XXXX while I was on shift at XXXX. I filed claims for the transactions at least twice and was denied, I was told my claims were denied because there was not enough information to prove it was fraud. I did not have transportation and was recieveing XXXX XXXX  at this time so spending money on food especially that much was unnecessary and made me aware this was fraud. I did not know this happened until around XX/XX/XXXX. I was told since I had not been an employee at XXXX since XX/XX/XXXX I would not be able to get access to my schedule, timesheet, or footage or anything that can prove it was working when this happened. I filed a police report but Chime said I did not have enough proof and XXXX was not able to help despite me filing a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate and unverifiable information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). My personal information is as follows : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ] Details of Disputed Item : Creditor/Collection Agency Name : LVNV FUNDING LLC ( Care of Resurgent Capital Services L.P. ) Account Number : XXXX XXXX Disputed Item : Collection Account for XXXX XXXX XXXXXXXX Reason for Dispute & Specific Inaccuracies : This item is inaccurate and incomplete because it contains impossible and contradictory dates, which makes the entire account unverifiable. 

1. Incorrect " Date Opened '' : The report lists the " Date Opened '' as XX/XX/XXXX. This is a date in the future, making it factually impossible and a clear reporting error. 
2. Inconsistent Timeline : The " Date of First Delinquency '' is listed as XX/XX/XXXX, which significantly predates the impossible future " Date Opened. '' These contradictory dates prove the information is unreliable. 

I request that you conduct a reasonable investigation pursuant to FCRA Section 611 ( 15 U.S.C. 1681i ) and either correct the inaccurate dates or delete this erroneous collection account from my credit file entirely. 

Please provide me with a written description of the procedure used to determine the accuracy of the information and the business name, address, and telephone number of any furnisher you contact. Upon completion of your investigation, please send me an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a CareCredit account issued by Synchrony Bank with a 24-month deferred interest promotional period. During the promotional period, I made regular minimum payments. I acknowledge that I did not closely review statements during that time and did not realize that making minimum payments alone would not satisfy the promotional payoff requirement. 

The promotional period ended in XXXX. In XXXX, I noticed a significant increase in my account balance and realized that deferred interest had posted. At that time, the remaining principal balance prior to interest was {$5800.00}. The retroactive deferred interest charge increased the balance to approximately {$13000.00}, meaning the interest charged exceeded the original principal balance. 

Once I noticed the deferred interest posting in XXXX, I immediately contacted CareCredit. During that call, CareCredit extended a courtesy and advised that if I paid the remaining balance in full by XX/XX/year>, the deferred interest would be removed. 

Unfortunately, I missed that extended payoff deadline by a very short period ( 4 days ) due to an oversight/holidays, not an inability or unwillingness to pay. As a result, the deferred interest remained on the account. 

After the extended deadline passed, I contacted CareCredit again and escalated the matter through customer service, a supervisor, and multiple levels of management. I requested a one-time courtesy waiver or reduction of the deferred interest based on the short delay beyond the courtesy extension, my good-faith payment history, and my immediate ability to pay the full principal balance. 

At all levels, I was informed that the interest could not be waived or adjusted and that no further internal or executive review was available. Autopay was turned off due to the dispute. 

I am not disputing that I missed the promotional and extended deadlines, or that the deferred-interest terms exist. I am requesting regulatory review of whether applying and retaining a retroactive interest charge that exceeds the original principal balance, despite immediate action once the interest posted and willingness to pay the principal, is a reasonable and proportionate outcome. 

I am seeking a formal review by Synchrony Banks regulatory or compliance team and consideration of a full or partial waiver or credit of the deferred interest as a goodwill or proportionality adjustment.

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 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-30 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: NV

Complaint narrative:
XXXX XXXX- {$19.00}, order XXXX - {$7.00}. -total {$27.00}. 
When I cancelled both orders for non shipment on XX/XX/year>, XXXX refused to issue both refunds, stating authorization only. Bank of America refused to release funds, stating merchant had indefinite time to do so, depriving me of right to file chargeback, a clear demonstration of merchant bias.

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 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account in the amount of {$1200.00} allegedly originating from XXXX XXXX 

I requested validation of this debt pursuant to 15 U.S.C. 1692g, including proof of the original agreement, chain of assignment, and authority to collect and report. No competent validation has been provided. 

Despite the lack of validation, the account is being reported inaccurately and inconsistently. My XXXX  credit report lists the account as CLOSED at the summary level, while simultaneously reporting it as OPEN and IN COLLECTION within the same tradeline. 

An account can not lawfully be both open and closed at the same time. This internal contradiction renders the tradeline factually inaccurate and legally unverifiable. 

Additionally, XXXX XXXX XXXX is a debt buyer that opened this account on XX/XX/year>, well after the date of XXXX  delinquency of XX/XX/year>, yet has failed to provide competent chain-of-title documentation supporting its authority to report. 

These actions constitute violations of the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ), as well as the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g. 

I am requesting that this inaccurate and unverifiable tradeline be deleted from all consumer reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: WA

Complaint narrative:
I am reporting Wells Fargo for improper handling of unauthorized transactions. 

I reported multiple unauthorized transactions tied to a single merchant. Wells Fargo acknowledged fraud and issued partial credits to my account. However, Wells Fargo refused to reimburse the remaining transactions even though they stem from the same account compromise, merchant, and timeframe. 

When I requested a reinvestigation and written determination, Wells Fargo representatives stated the case was closed, refused to add notes, refused to provide written documentation, directed me to the merchant, and disconnected the call. 

Delivery of merchandise does not establish authorization. I did not authorize these transactions, did not benefit from them, and items received were returned or refused when possible. 

Wells Fargos refusal to reinvestigate after issuing partial fraud credits and refusal to document its determination is improper. I am requesting full reimbursement or a documented written explanation subject to regulatory review.

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XXXX, after making a legitimate mobile deposit from a longtime client ( I have proof the check cleared the issuer 's bank ), Fifth Third Bank froze all my checking accounts. I now see a fraudulent negative balance of - {$490000.00}. I am completely locked out. The bank is holding over {$2800.00} of my own legitimate funds hostage. Branch staff are helpless and refer me to an unhelpful call center that gives vague answers about 'fraud ' and 'account closure. ' This is a severe bank error causing me immediate financial harm, as I can not pay bills or access my money. I need my legitimate funds released immediately, the fraudulent negative balance removed, and a clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMorgan Chase Bank has restricted {$32000.00} from my account since XX/XX/XXXX, citing additional review. Chase has provided no estimated release date and has not accused me of any criminal activity. 

In a letter dated XX/XX/XXXX, Chase confirmed the funds remain restricted and admitted they may be returned to the sender if requested. Despite this, Chase has continued to hold the funds indefinitely. 

As a result of Chases actions, I suffered severe financial harm, including a court judgment entered against me for funds I never possessed or controlled, plus accrued interest. 

Holding customer funds for over three years without resolution, explanation, or timeline constitutes unfair and abusive banking practices. I am requesting CFPB intervention to compel Chase to either immediately release the funds or return them to the sender without further delay. 

I am attaching XXXX XX/XX/XXXX letter as evidence. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone : XXXX Email : XXXX @ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
My name is XXXX XXXX and I am seeking your immediate attention to my complaint against capital one. 

I have had a capital one checking account with an available balance for a number of years. I chose to leave this account with the funds in my checking account for when I would need to access them. 
As capital one is claimed to be one of the most prominent banking institutions in our country I felt that my money would be safe and easy for me to access when I needed to withdraw them. 

This need came to be on XX/XX/year> when I made my first call to capital one to have my available balance transferred to my other financial institution for my immediate use. I was asked to submit a drivers license to their provided email and then they would be making 2 small deposits into my receiving financial institutions checking account that I would need to watch for and then give them the amounts of those deposits to verify my account. the rep said they would show up the next day and so I conformed and waited until the following day. No deposits were made to verify my account. XX/XX/XXXX I called the customer service rep line at capital one and expressed how upset I was that the small deposits did not go through to my other account and I didn't understand why I was having such a problem with accessing my money when I sent them every thing required. I am a disadvantaged [ person that needs this money to buy perscriptions for a terminal illness and am in a a financial crisis that the funds in this account are needed for my survival. Capital one took my entire day of calling and seeking help just to be told several different excuses or rectifications being taken to accesss my money which were all false and in which absolutely nothing was done to transfer my funds as I requested. 
I looked up the policy of capital one and it said that I had the right to have a money transfer done at my request for an amount of XXXX XXXX which I was willing to pay. but that they would have to verify my id once again... this turned into a nightmare in which I feel was notated on my account and I was treated with discrimination and harassment and still am to date. I linked my other financial institution to the capital one account and verified my id at least 45 times. this got me no where and policy changed with each rep or supervisor I spoke with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: AL

Complaint narrative:
Contacted XXXX XXXX XXXX  after a family member with similar first name same last name said i had got several notices. I was being contacted about a debt credit card XXXX XXXX. I spoke with several reps at the company all gave me the last four of a social security number that didn't belong to me therefore how could this be my debt. Also mind you the address they were originally sending to was not mine. I gave them my address to send me proof of this debt belonging to me. They have not til this day its been over 90 days .Also the dob did not match was not mine. Also this company is reporting to the credit bureaus as the original creditor they are not they are a debt buyer. Reporting inaccurately violates ( FCRA ) which requires accurate reporting.IMPROPER MAILING ADDRESS I HAVE NEVER GAVE THEM OR ANYONE RIGHTS TO SEND ME MAIL TO ANY ADDRESS OTHER THAN MY OWN.This is a violation of my privacy and can create confusion or harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Disputing ALL charges made to HOMEBASS with the bank institution Citibank. Statements that are being disputed range from XX/XX/XXXX- XX/XX/XXXX. I was told to send, by mail, all statements with charges marked for the dispute and to add all proof for the disputes. The dispute center also said this would be the only way to dispute charges over that long of a time period and that I would have no problem disputing since I was disputing a service that was never provided on XX/XX/XXXX. I have sent all statements with highlights on the charges in question, I have sent all proof that the event was cancelled, including news articles, flyers, and even the website www.homebass.com where you can see that the event was cancelled. There has been little communication from XXXX other than them pushing back the refunds later and later. I have not received any update from Citibank on the status of the mail that I had sent, and keep getting the run around from their dispute center. I have not received my complete refund or dispute resolution from either party.. 

I bought an event package, the event was canceled the day it was scheduled to happen, and I have not received a refund from the event. My next course of action was to dispute the charges. Citibank has been running me around in circles even though I have sent in all the proof and information they need to finish my case.

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 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I have a couple loans through affirm. They locked me out of my account where Im unable to pay those loans. Tried contacting them. They said someone would send me an email to get back in, never received the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
I disputed an alleged debt in writing on XX/XX/year> and requested validation under FDCPA 1692g. I sent a follow-up on XX/XX/year> after no response. 

XXXX XXXX XXXX has failed to provide any validation, yet continues to hold itself out as a collector and may be reporting this account. 

This is a violation of the FDCPA and FCRA. I am requesting immediate deletion of any credit reporting and cessation of collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I landed in XXXX, XXXX on XX/XX/year>, only to find out that my checked luggage was lost by XXXX XXXX during the international flight from XXXX. The suitcase contained my extra wallet, multiple credit cards, and one identification card. 
I did not have possession of these cards during the period in which unrecognized transactions subsequently occurred. 
After discovering unrecognized charges on my card, I promptly notified Synchrony and disputed all transactions that posted after XX/XX/year>. 

I also offered to provide supporting documentation from the airline confirming the loss of my luggage and its contents, which directly substantiates my claim that I did not have control or possession of the credit cards when the disputed charges occurred. 
However, Synchrony Bank declined to review or accept this evidence and simply denied the dispute a few days later and close the case.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I requested validation from both the creditors and experian I have not received the correct documentation from portfolio recovery! It have all around balance this account should be removed account number XXXX also verzion is a account thats been accused of being validated its not and I was never sent documents for this account it needs to be removed it was already removed I have no knowledge of both of theses accounts please remove them immediately 15 U.S. Code 1681i

Company response to consumer: Closed with non-monetary relief