vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting a complaint regarding Chase Banks handling of a dispute involving a {$270.00} charge from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Chase denied my dispute after stating that the merchant provided evidence of a cancellation policy and alleged phone confirmation. However, this decision failed to properly consider the full facts of the transaction. The merchant initially informed me that my scheduled appointment was unavailable and needed to be rescheduled. This means the original agreement for services was changed by the merchant, not by me. I made a good faith effort to reschedule. However, no new appointment was finalized or agreed upon. No services were ever rendered. Prior to the charge being processed, I explicitly stated in writing to the merchant that I do not authorize a charge for services not rendered. Despite this, the merchant charged me in full and even sent a confirmation implying that services were completed, which is inaccurate. Under these circumstances : The merchant changed the terms of the original agreement No services were provided I did not initiate a cancellation I clearly revoked authorization before the charge Chase denied my dispute solely based on the merchants policy and an alleged phone confirmation, without adequately addressing the fact that no services were rendered and authorization was withdrawn. Additionally, I was previously given incorrect information by a Chase representative, who advised me that closing my card would prevent the merchant from charging me. I relied on this information, but the charge still went through. I am requesting that Chase : 1. Reopen and properly review this dispute as a billing error 2. Consider the full timeline and written evidence 3. Reverse the {$270.00} charge This charge is for services not rendered and should not be upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I sent a Western Union Money Transfer of XXXX to XXXX XXXX XXXX XXXX in XXXX, XXXX, XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX. {$200.00} plus {$6.00} for transfer fee and {$2.00} for XXXX XXXX XXXX for a total of {$200.00}, exchange total XXXX XXXX and transfer amount of XXXX XXXX. Western Union Transfer was purchased on XXXX at XXXX from XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Western Union Money Transfer SALE XXXX XXXX XXXX I notified my daughter last night at XXXX XXXX. and she said that she would pick it up today and whenever she went, she reported that the money had already been picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent credit reporting. A collection account is being reported by Midland Credit Management, while the original creditor account associated with this alleged debt ( XXXX XXXX ) has already been deleted from my credit file after failing verification. The continued reporting of a collection account without a verifiable originating tradeline creates a clear inconsistency and raises serious concerns regarding the accuracy of the information being furnished. I have disputed this account and requested validation, including documentation establishing the existence of the original debt and Midlands authority to report it. Sufficient documentation has not been provided. I request that this account be deleted if it can not be fully substantiated with complete and verifiable documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I deposited {$500.00} into my Wells Fargo checking account. The account was later marked inactive due to non-usage, I was not informed of this. Beginning XX/XX/year>, Wells Fargo charged monthly maintenance fees ( {$10.00} initially, later {$15.00} ), totaling {$65.00}. After contacting Wells Fargo, they refunded {$30.00} but refused to refund the remaining {$35.00}. I am currently outside the United States and can not visit a branch in person. Wells Fargo informed me that making a transaction would reactivate the account, but multiple attempted transactions were declined due to the dormancy restriction. I also attempted to make a payment using the account and routing number, which has not processed and may result in a returned payment fee. I called Wells Fargo multiple times, spoke with three supervisors, and filed a formal complaint directly with the bank. Despite this, the account remains classified as dormant and Wells Fargo has not released my funds. I currently have no practical way to access or transfer my remaining balance ( approximately {$470.00} ). I am requesting that Wells Fargo close the dormant account, return my remaining balance, and refund the remaining fees charged while the account was inactive.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This company calls me about 6 times a day. When I block the number they use a different one. They will use 3 different numbers in a day. Even though the name of the company appears on my phone. They have ruined zoom calls with my drs. When they call it makes my zoom calls disappear, which causes me money. Its aggravating how much my phone rings, which I usually turn off but you can still see whos calling. But its definitely more the 7 calls a week its about 20

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
They denied my dispute on XXXX and chime. My accounts were all connected and my old phone was stolen which was all connected andnall my cards were connected and they got into it and spent XXXX in a month and won't refund me back. I am a XXXX of XXXX a XXXX XXXX XXXX and now im loosing my car can't afford to eat and they denied my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
* * Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Experian XXXX XXXX Funds Hold, Misrepresentation, and Failure to Provide Assistance * * I am filing a formal complaint against Experian XXXX XXXX regarding improper restriction of my funds, refusal to provide customer assistance, and potential misrepresentation by their staff. I opened an account with Experian XXXX XXXX and transferred funds into the account from my own external account. After the transfer was completed, I attempted to access and use my funds, but I was prevented from doing so due to a hold placed on the account. I was not provided with a clear explanation for this hold, nor any timeline for resolution. I contacted customer service to resolve the issue. The representative refused to provide meaningful assistance or explain the reason for the restriction. I then requested to speak with a supervisor. Instead of being connected to a legitimate supervisor, I was transferred to another individual who identified herself only as XXXX and refused to provide full identification or credentials. This individual claimed to be a supervisor but was unable or unwilling to provide standard identifying information expected from a financial institution representative. Based on the interaction, I believe this individual may have misrepresented her role. The call was conducted on a recorded line, during which I was denied assistance and no resolution was provided. As a result, my funds remain inaccessible, despite being my own transferred money. This has caused financial inconvenience and concern regarding the handling of my account and the conduct of Experian XXXX XXXX staff. I am requesting the following : 1. Immediate release of my funds. 2. A clear explanation for the hold placed on my account. 3. An investigation into the conduct of the customer service representatives involved, including the individual identifying herself as XXXX. 4. Confirmation of proper supervisory procedures and employee identification policies. 5. Assurance that this type of conduct will not occur in the future. I am also concerned that the behavior described above may violate consumer protection laws and regulations governing financial institutions. I request that this complaint be formally investigated and that I be provided with a written response. Sincerely, XXXX XXXX Phone : XXXX Email : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
My husband was in the reserves and has received XXXX XXXX XXXX orders. We notified Sofi, supplied the XXXX XXXX orders and requested SCRA be applied to our account as we should receive an interest rate reduction. They are saying XXXX XXXX XXXX orders are not sufficient and they need XXXX XXXX. The orders supplied are in fact the XXXX XXXX and show the date my husband is being placed on XXXX XXXX after having been in the XXXX but SOFI is refusing to apply XXXX to our account. Despite our orders clearly showing XXXX which shows we are entering for the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Greetings : I am reaching out to you regarding a situation of improper charge for overdraft on my bank account at Firstbank PR. - On XX/XX/year>, at XX/XX/XXXX I receive the amount of {$150.00} in my bank account through an XXXX XXXX transfer to my account ending in XXXX. - At XXXXXX/XX/XXXX I transfer from account XXXX to account XXXX the amount of {$20.00} - On XX/XX/year>, I see reflected in my bank account ending in XXXX an overdraft charge for the amount of {$15.00} - I file a complaint with XXXX. They indicate that the charge is valid because at the time of the transfer of the {$20.00}, there was not enough money available in the account. - I attach XXXX XXXX evidence showing that the money was sent to my account on XX/XX/XXXX and not on XX/XX/XXXX as reflected in the bank statement. - The banking institution reversed the order of the transactions. I point out that on the XXXX, the date I transferred {$20.00} to account XXXX, and that it was on the XXXX that I received the money through XXXX XXXX. If I had not had the money, the transfer to the other account would not have been possible. I attach all the evidence that confirms that the money was received first and then the transfer was made. All of this happened on the same day, XX/XX/XXXX. This is not the first time that this institution reverses the order of transactions to generate an overdraft fee, always doing this in their favor and to the detriment of the customer, when the reality is that the order is not correct. I attach a letter indicating that the charge is valid. The claims made are in the bank under numbers : XXXX and XXXX. If you have any questions, you can contact XXXX. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
My step-father, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. A few months later, I was going through his safety deposit box and found certificates XXXX ( {$10000.00} established XX/XX/XXXX ) and XXXX ( {$34000.00}, established XX/XX/XXXX ). Both of these certificates are in the names of my mother, XXXX XXXX XXXX, my step-father, XXXX XXXX XXXX and my maiden name, XXXX XXXX XXXX XXXX They are through XXXX XXXX that was later taken over by Wells Fargo Bank. I took these to the west side branch of Wells Fargo in XXXX, Wyoming. The girl said they would have to do a trace on them and would get back to me. She never did, so I went back in and was told by someone else that they had no records of these cds so they must have been cashed in. I asked for some type of record showing that they had been cashed in or a deposit to my parents accounts and was told that they were too old and they no longer had records. A few months later I decided to go to the main branch of Wells Fargo Bank in XXXX. There I spoke with personal banker, XXXX XXXX, on XX/XX/XXXX. He made some phone calls and said he would have to look into it further. Several days later, he called back and left a message that was basically the same thing that the woman at the west side branch had told me-too old, no records, must have been cashed in. So I went back to speak with XXXX XXXX on XX/XX/XXXX, to request documentation of funds disbursement. He was not there but I spoke to branch manager XXXX XXXX, who basically said the same thing the other two had. I have both of these conversations recorded. Later, in going through more of my parents things I found record of another CD XXXX, issued XX/XX/XXXX in the amount of {$10000.00} in all three of our names and another time account certificate number XXXX dated XX/XX/XXXX for {$25000.00} only in my mothers name. I dont believe that any of these were cashed in. I would have known if my parents suddenly had {$90000.00} in their accounts, especially after my mother XXXX in XXXX and I began helping my step-dad with his finances. If they were cashed in and Im wrong, I will accept that. But I need some kind of documented proof of that.

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Relationship Manager, I am writing to formally request a refund of {$15.00} monthly service fees charged to the above-referenced account starting in [ XXXX ] XXXX. The basis for this dispute is a failure of notification. I have received no prior noticeelectronic or paper-basedregarding these charges or changes to my account tier requirements. Had I been properly notified, I would have adjusted my balance or account type to avoid these costs. I value my relationship with Citibank, but I expect the bank to adhere to fair disclosure practices. I am requesting : 1. A total refund of $ [ Total Amount, e.g., {$360.00} ] credited back to my account. 2. Written confirmation of the requirements to maintain this account fee-free. If this matter is not resolved within 15 business days, I will be forced to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Bank allowed unauthorized negotiation of a multi-payee insurance check without required endorsements A check in the amount of approximately {$16000.00} was issued payable to multiple parties, including myself, my spouse, my mortgage lender ( XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX. The check was negotiated without obtaining all required endorsements, specifically from the mortgage lender. This represents a serious violation of banking procedures and potential negligence. I am requesting a full investigation and accountability from the financial institution involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AUTO FINANCE USA, LLC
State: OK

Complaint narrative:
We are trying to resolve an account with Auto Finance account so we can move forward with a mortgage approval, but the company has not responded to our attempts to settle the account. On or about XX/XX/year>, we sent a certified letter disputing the balance. We never received any response. Since then, we have called multiple times ( at least three ) to request a settlement. We offered {$5000.00} to resolve the account. Each time, we were told our request would be sent to a manager or the owner for review and that we would receive a call back. We have never received a return call or any written response. When we follow up, representatives act as though there is no record of our previous calls or settlement offer, and we are forced to start over each time. We are actively trying to resolve this account, but the companys lack of response and failure to follow up is preventing us from doing so. This is time-sensitive because it is affecting our mortgage approval. We are requesting a written response to our settlement offer so we can resolve this account 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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Unauthorized Transaction and Failure to Resolve Dispute Cash App I am submitting this complaint regarding an unauthorized transaction and inadequate dispute resolution by Cash App. I have been a customer of Cash App since XX/XX/XXXX. On XX/XX/XXXX, an unauthorized individual, identified as XXXX XXXX ( Cash App username : XXXX XXXX ), accessed my account without my consent and withdrew {$400.00}. I immediately reported the fraudulent transaction through the Cash App platform and contacted customer service. I was advised that an investigation would be conducted within 310 days. However, on XX/XX/XXXX, I was notified that my dispute was denied. I promptly filed an appeal, which was also denied on XX/XX/XXXX, without sufficient explanation or evidence demonstrating a thorough investigation. I do not know this individual, nor did I authorize this transaction. Cash App has failed to provide adequate protection against unauthorized access to my account and has not taken appropriate steps to recover my funds. This raises serious concerns regarding their security protocols and compliance with consumer protection standards. Due to the seriousness of this incident, I filed a police report with the XXXX XXXX Police Department, Georgia, on XX/XX/XXXX ( Report Number : XXXX ). I am requesting the following : Immediate reimbursement of the {$400.00} unauthorized transaction A detailed explanation of the investigation process and findings A review of Cash Apps security measures and dispute resolution practices Accountability for failure to protect my account from unauthorized access I have attached all relevant documentation, including dispute records and the police report. I respectfully request that the CFPB investigate this matter and assist in resolving this dispute promptly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAG - XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation