vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing a complaint regarding my inability to access funds in my account associated with Chime, which is issued by XXXX XXXX, XXXX. My account has been restricted since XX/XX/year>, and I have been unable to obtain clear information regarding the reason for the restriction or how to resolve it. I have contacted Chime and was directed to XXXX XXXX as the issuing financial institution. Despite attempting to resolve this directly, I have not received sufficient information about : Whether there is a hold or restriction on my account The reason for any such restriction What actions are required from me to restore access A timeline for resolution These funds are important, and I am requesting immediate clarification and resolution. I am willing to provide any necessary documentation or verification to resolve this matter. I am requesting that XXXX XXXX provide a clear explanation for the restriction and take prompt action to restore access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a formal complaint against Capital One for a violation of the Electronic Fund Transfer Act ( Regulation E ) regarding two debit card disputes for services not received. Approximately 10 days ago, I initiated two separate dispute claims. For one of these claims, Capital One sent me an email on XX/XX/year>, requesting additional documentation. I promptly submitted the requested information. However, shortly after submitting it, I received an automated denial email stating that I didn't provide enough information. It is clear that my uploaded documents were not manually reviewed before this denial was triggered. Furthermore, Capital One has failed to issue the provisional credit for either of these transactions. Under Regulation E, I am entitled to a provisional credit within 10 business days while the bank investigates. When I called Capital One customer service to rectify this system error, the representative refused to manually review my uploaded documents, reopen the case, or issue the provisional credits I am legally owed. Capital One is using automated systems to unfairly deny valid disputes without human review and is failing to adhere to federally mandated provisional credit timelines. I am requesting the following actions from Capital One : First, an immediate manual review of the documentation I already submitted on XX/XX/year>. Second, the immediate issuance of the provisional credits for both disputed transactions to my checking account, as required by Regulation E. Third, a permanent ruling in my favor for both claims regarding services not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
US bank is making a " False Claim of Fraud '' and I have already exhausted their internal " managerial review '' process in my attempt to verify that there was not fraud on my account activity. I had called US bank to verify that the card could be used for the types of transactions it was used for and was told that my card could be used in the manner I used it in. I have used my account to obtain cash ( knowing the the bank would charge cash advance fees ) which I agreed to pay. I also used it to make various purchased all of which I understand I my pay. I plan to pay off my entire debt in less than 6 months. I am asking for the account to be reinstated while I pay-off my entire balance ( with payment amounts above the minimum payment required ) if allowed and for any negative reporting ( like " Closed by Grantor '' ) to be updated to a more favorable status.

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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NY

Complaint narrative:
I opened four business accounts with U.S. Bank under a promotional offer stating that a {$1200.00} bonus would be paid for each account upon depositing {$25000.00}. However, after opening the accounts, the bank imposed unexpected restrictions that prevented us from completing the required deposits in a timely manner. Specifically, we were unable to freely transfer funds into the accounts. Transfers were limited to {$7500.00} at a time, and no new transfer could be initiated until the previous one was fully completed. Each transfer took more than a week to process, as the timing depended entirely on the banks system. These limitations made it impractical, if not impossible, to meet the promotional requirements within the expected timeframe. As a result, U.S. Bank has declined to honor the promotional bonuses as advertised. We are currently missing {$1200.00} per account, totaling approximately {$4800.00}. I have contacted customer service multiple times, but the issue remains unresolved.

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 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Equifax to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Conduent Incorporated
State: TN

Complaint narrative:
Way2go program XXXX XXXX documentation is impossible to receive. Online banking is glitchy and does not work properly. Im set to close on my home and I can not close, will not close without receiving my documentation/financial deposits. This causes a ton of stress when its your lively hood dependent upon the required documents. Customer service does not help and it takes 1-3 days to receive a call back from tech support in which they never call. Absolutely absurd and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: ID

Complaint narrative:
I am reporting a fraudulent/unauthorized transaction on my account with Affirm in the amount of {$980.00}. I initially contacted Affirm to report this fraud and was told the matter was being handled and that I needed to wait while the account was frozen. I followed up multiple times and received the same response. On a later call, I was informed that no investigation had ever been opened because I allegedly did not respond to emails sent on XX/XX/year>. I did not receive any such emails in my inbox or spam folder. The only email I received was a notice stating that I owe money for the fraudulent charge. Despite multiple good-faith attempts to report and resolve this issue : - No fraud investigation was initiated - My account was not properly frozen as previously stated - I am being billed for a transaction I did not authorize - I am concerned about negative impact to my credit I have taken protective steps, including freezing my credit, due to concern that my information has been compromised. I requested that Affirm open a fraud investigation, stop billing for the unauthorized transaction, and ensure no negative credit reporting occurs. These requests have not been properly addressed. I am seeking immediate resolution, including removal of the fraudulent charge, confirmation that I am not responsible for it, and assurance that my credit will not be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I applied for XXXXXXXX XXXX XXXXXXXX on their website on XX/XX/year>XXXX while making reservations for a stay I was planning. I applied for the card for the express purpose of receiving XXXX XXXX XXXX reward points. The promotion was if I spent {$1000.00}. in XXXX months I would receive the points. I was approved for the card and made reservations the same day. The card was issued by Wells Fargo N.A. We spent the required amount {$1000.00}. by mid XX/XX/year>. When I received my statement I noticed they had given me XXXX both on the statement and on the XXXX XXXX website. At this point I attempted to contact Wells Fargo with the contact number on the XXXX XXXX card statement. I was transferred to XXXX XXXX reservation. So round and round about 6 or 7 times being transferred from Wells Fargo to XXXX XXXX. XXXX said they could not verify the amount that was required to gain the points it was Wells Fargo 's promotion and the points constantly change along with the amount to be spent. Wells Fargo in turn said I had to work with XXXX. I am attaching the approval, reservation both dated XX/XX/year>. also on the reservation email in bottom left corner is the promotion for XXXX. I also have the original offer which is showing in the bottom left corner of the reservation attachment on page 4.

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 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am submitting this complaint against XXXX XXXX and Jefferson Capital Systems regarding an account being reported on my consumer credit reports that I do not recognize and did not authorize. This account is the result of identity theft. I did not open this account, authorize any services, or benefit from any transactions associated with it. Despite disputing this matter, Jefferson Capital Systems continues to report the account as accurate without providing any verifiable proof that I am responsible. XXXX XXXX has continued to verify this account as accurate without conducting a reasonable investigation, which is a violation of FCRA 611. Given these issues, I am requesting the following : A complete and thorough investigation of this matter. Copies of any and all documents used to open and validate this account, including : Signed service agreement Application records Billing statements IP logs or device usage records Verification of the full Social Security number and address used to open the account. Immediate removal of this account from all credit reporting agencies if XXXX XXXX can not provide proper documentation proving I am responsible. Written confirmation that this account has been removed or corrected. Additionally, if this account is confirmed to be fraudulent, I request that XXXX XXXX flag it as identity theft and cease all collection activity immediately. Please note that reporting unverified or inaccurate information to the credit bureaus is a violation of federal law. If this matter is not resolved promptly, I am prepared to pursue further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
My Chime account was closed on XX/XX/2026, with approximately {$5000.00} remaining in the account. After the account was closed, I contacted Chime customer support multiple times to request information about the return of my funds. Each time I contacted them, I was told to wait 14 days. After waiting, I was again told to wait another 14 days. This repeated for over XXXX weeks without any resolution or clear explanation. I was later told that I am not eligible for a refund check, but no reason or documentation was provided. When I asked for clarification, I was told that the information could not be disclosed due to security reasons. I was not given any explanation regarding where my funds are or how they will be returned. At XXXX point, I was asked to provide documentation, which I did, but I still did not receive any update or resolution afterward. I am a student and this money is financial aid that I rely on for essential educational and living expenses. I currently do not have access to these funds and I have not been given clear information about their location or status. I am requesting help in determining the status and location of my funds and the return of my remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Madison Auto, LLC
State: NY

Complaint narrative:
The account is being illegally re aged. The creditor had the account charged off and then re opened the account and reported different activity dates to each bureau and it is damaging my credit. The company is XXXX Bank XXXX XXXX. When you call they answer as Arra XXXX then when asked if they are really XXXX bank and trust they switch there approach and say yes. But on my report they have different names and address like XXXX & XXXX, XXXX XXXX XXXX XXXX located in Virginia, Texas and Louisiana. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, Virginia XXXX To transition thy reported first non payment in in XXXX, and closed in XX/XX/XXXX and charged off when it was reported prior as charged off and closed then reopened. For experian they reported first non payment in XXXX of XXXX and last payment For XXXX they reported first non payment XXXX of XXXX and XXXX on time payments in XXXX XXXX and XXXX of XXXX when I have no made any activity on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/year> I have a deposit for a settlement check of XXXX and XXXX check for XXXX from the same maker, chase bank was able to cash one check but did not want to cash the other check. Stating that there was nothing on the XXXX check. They refuse to verify the check. The maker of the check explained and said theyre able to call but when I spoke to chase XXXX representative stated theyre able to call then another said theyre not able to call. They also made it seem like it was fraud by saying theyre is nothing on the check. My check was from a settlement issued from cpt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against JPMorgan Chase regarding a missing safe deposit box and lack of accountability from the bank. * * Account/Box Details : * * * Safe Deposit Box Number : XXXX XXXX Branch Location : XXXX XXXX XXXX XXXX XXXX, Utah * Lease Start Date : Approximately 1984 * * Summary of Issue : * * I am in possession of the original key to my safe deposit box and have never surrendered the box or authorized its closure. Upon contacting the bank, I was informed that : * The branch relocated its safe deposit boxes. * Bank personnel accessed my box during this process. * The bank is now unable to locate my safe deposit box or its contents. Additionally, the bank stated that an inventory of the contents was taken when the box was accessed, yet they have not produced this documentation. * * Concerns : * * This situation raises serious concerns, including : * Unauthorized or undocumented access to my safe deposit box. * Failure to maintain required access logs and records. * Loss or misplacement of my property. * Lack of transparency and inability to provide basic documentation regarding the boxs status. * * Attempts to Resolve : * * I have contacted the branch directly and requested : * The location of my safe deposit box. * Access logs and signature records. * Any inventory or documentation created when the box was opened. The bank has not provided these records and has been unable to account for the box.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Klarna AB
State: NY

Complaint narrative:
I was automatically signed up for texting by XXXX XXXX without my consent and I received 2 automated text messages today. I did not give them my consent they just signed me up. I let Klarna know that I would be retaining an attorney via chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had financial trouble last year. A friend, XXXX XXXX, assisted by writing checks to two of my ccs, Savor and Kohls. He made an error and the checks were pulled back. Since, XXXX has placed restrictions on these two accts. They say they have processes and Ive tried to satisfy the needed steps to unrestrict my cards but to no avail. Cap1 will not offer any other options but to verify ownership of my friends ' acct. Unfortunately, the checks were written in error and my friend will not been able to assist. There MUST be a way to get my cards unrestricted as I have been making consistent monthly payments since. The restriction is moot as there will not be any more payments from his acct in the future. Please help to unrestrict my accts so I can use them freely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am reporting this account as identity theft I did not open or authorized this account to be opened this account was open fraudulently using my information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: AZ

Complaint narrative:
I am disputing a medical debt of {$220.00} being collected by Frost-Arnett Company on behalf of XXXX XXXX XXXX for a date of service on XX/XX/year>. The provider did not submit this claim to my health insurance at the time of service. I had active health insurance coverage during XXXX including the date of service. If billed correctly, my responsibility would have been limited to my insurance cost-sharing amount. The account was later placed with a collection agency without first being properly billed to insurance. I requested validation of this debt. In response, the collection agency provided a billing statement ; however, they did not provide : Proof that the claim was submitted to my insurance provider Any Explanation of Benefits ( EOB ) Documentation showing that I am responsible for the full billed amount rather than an insurance-adjusted amount The documentation provided also contains inconsistencies, including internal adjustments that call into question the validity of the balance being pursued. I dispute this debt because the amount being collected does not reflect proper billing to insurance or applicable contractual adjustments. I am requesting that the account be properly validated, corrected to reflect accurate billing practices, or withdrawn.

Company response to consumer: Closed with explanation