vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On Friday, XX/XX/XXXX, I had a refund processed by a merchant in the amount of {$2500.00} for a purchase made. The refund was processed to my debit card, and appeared in my " pending '' transactions. The next day, Saturday, XX/XX/XXXX, I awoke expecting the funds to be in my account. Instead, Wells Fargo had erased all records of the refund. Upon waiting an hour to speak to customer service, I was told " this is totally normal. '' I was not given any explanation or additional proof of refund. At this point it is nearing XXXX hours and I do not have my refund, causing further financial harms to myself.

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 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Subject : Follow-Up on Complaint Case ID XXXX I am writing to follow up on my ongoing complaint regarding case ID XXXX. Due to my previous complaint about my account being overdrawn, Chase closed my bank accounts, which I did not want. My account remains overdrawn by over {$5000.00}. 

My intention was to have Chase contact the merchant to help recover my funds from the unsatisfactory dental services I received. I have always valued my relationship with Chase, and this situation has created significant difficulties for me. I would like to continue banking with them and request the reopening of my accounts. 

I attempted to reach XXXX, the representative handling my account in the XXXX offices, at XXXX, ext XXXX, but have not received a response. 

Additionally, I would appreciate guidance from Chase, on how I can repay the {$5000.00} without it going to collections, as I want to avoid damaging my credit. I would like to make these payments in increments. I am hopeful that the dental office may issue a refund, and I have also filed a complaint with the dental association regarding this issue. 

Thank you for your attention to my concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Pursuit of remaining credit card rewards after involuntary account closure. 
Details : My Chase credit card account ( ending in [ XXXX ) was closed by the bank on [ XX/XX/year> ]. At the time of closure, I had [ XXXX ] points/rewards remaining in the account. 
The Issue : Despite the account being closed, Chase has refused to allow me to redeem, transfer, or receive the cash equivalent of these earned rewards. These points represent a significant monetary value that I earned through my spending and engagement with the bank. 
My Position : XXXX was not given a reasonable " grace period '' ( usually XXXX days ) after the closure notification to redeem my remaining points. 
XXXXThe bank 's total forfeiture of my earned rewards without compensation is unfair and constitutes a financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am extremely distressed to discover a collection account being reported under my name for a debt that I do not recognize, have never verified, and do not owe. This account appeared without warning, and I have been subjected to repeated and harassing communications through multiple channels, including threats of legal action. This situation is unacceptable and deeply insulting, as my rights as a consumer have been blatantly violated. The reporting and collection efforts related to this unverified account have caused significant emotional distress and disrupted my well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint regarding a data breach that has compromised my personal and financial information. My sensitive data may have been accessed or misused without my authorization. 

Under the Fair Credit Reporting Act ( FCRA ) and related privacy laws, I demand that you immediately : Conduct a full investigation into any unauthorized access or fraudulent activity connected to my information. 
Correct or remove any inaccurate or fraudulent information resulting from this breach. 
Provide written confirmation of the investigation findings and the actions taken. 

If this matter is not addressed promptly and properly, I will escalate the complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory authorities. I will also pursue all available legal remedies. 

This issue requires immediate attention. Please confirm receipt of this complaint and provide a timeline for resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
There are fraudulent charges on my checking account with Bank of America. I didnt authorize the payments {$130.00} on XX/XX/year> and {$130.00} on XX/XX/year>. Bank of America claim # XXXX. I submitted a dispute with Bank of America but they refused to fix the issue. I requested a credit for these charges. Instead, Bank of America illegally closed my checking account ending in XXXX. Bank of America is engaged in discriminatory and fraudulent business practices. I am having trouble retrieving my money. Please provide me with my funds. See attached documents.

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 2026-02-02 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: CA

Complaint narrative:
A Cash App account ( $ XXXX ) was created for my minor child without my authorization by a non-custodial parent who does not have legal guardianship. I am the custodial parent. 
I notified Cash App that the account is unauthorized and requested closure. Cash App refused, stating that anyone over XXXX can be a sponsor, despite lack of legal authority or custodial consent. 
This complaint concerns XXXX XXXX continued facilitation of an unauthorized minor account after notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the charged-off account ( XXXX ) you are reporting and/or attempting to collect. I do NOT acknowledge this debt. Pursuant to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), I am requesting that you conduct a reasonable investigation and provide written verification of this account, including : The name and address of the original creditor, the date of the alleged charge-off, the complete payment history and itemized accounting of the balance, documentation bearing my wet signature ( not a photo copy ) showing I am legally obligated to pay, proof that your agency has the legal right to collect and report this account, and confirmation that the account is being reported accurately and consistently to all consumer reporting agencies. If you are unable to provide this documentation, you are required under the FCRA to DELETE any inaccurate or unverified information you have furnished to the credit bureaus. During the course of this investigation, you must mark this account as disputed and cease collection activity. Please communicate with me only in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account that I dispute as inaccurate. I requested verification and documentation supporting the reported balance and their authority to collect, but I did not receive sufficient documentation. 
The information being reported can not be verified as accurate, including the amount and ownership of the debt. As a result, the tradeline is misleading and negatively impacts my credit. 
I am requesting a full investigation and correction or deletion of this tradeline under the Fair Credit Reporting Act if it can not be accurately verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am filing a complaint against XXXX Bank for violations of the Electronic Fund Transfer Act and Regulation XXXX related to a disputed debit card transaction in the amount of {$530.00} from XXXX on my account ending in XXXX. 

I opened Claim Number XXXX on XX/XX/XXXX for merchandise I never received. I placed XXXX separate XXXX orders for XXXX XXXX XXXX XXXX. Both were marked delivered but neither was received. XXXX confirmed both were eligible for refund. Only XXXX refund was ever issued. The second transaction was never credited. 

On XX/XX/XXXX, XXXX denied my dispute stating that I had already been issued a credit. That statement is false. Only XXXX of the XXXX transactions was refunded. A basic review of transaction history would have confirmed this. 

On XX/XX/XXXX, I submitted a written rebuttal with supporting documentation, including confirmation from XXXX and a police report. Under Regulation XXXX, this constitutes new information requiring a good faith reinvestigation. 

On XX/XX/XXXX, XXXX sent a generic acknowledgment claiming the matter was sent for review. However, during a phone call on XX/XX/XXXX, I was explicitly told that the claim was never reopened and no reinvestigation ever occurred. 

XXXX failed to conduct a required investigation, failed to issue a written determination after receiving new information, and falsely represented that a review was underway when no action was taken. This is a clear violation of Regulation XXXX error resolution requirements. 

I am requesting that XXXX be required to reopen and properly reinvestigate this claim, issue the missing credit, and provide a written explanation for its failure to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint regarding a data breach that has compromised my personal and financial information. My sensitive data may have been accessed or misused without my authorization. 

Under the Fair Credit Reporting Act ( FCRA ) and related privacy laws, I demand that you immediately : Conduct a full investigation into any unauthorized access or fraudulent activity connected to my information. 
Correct or remove any inaccurate or fraudulent information resulting from this breach. 
Provide written confirmation of the investigation findings and the actions taken. 

If this matter is not addressed promptly and properly, I will escalate the complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory authorities. I will also pursue all available legal remedies. 

This issue requires immediate attention. Please confirm receipt of this complaint and provide a timeline for resolution.

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 2026-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint regarding a data breach that has compromised my personal and financial information. My sensitive data may have been accessed or misused without my authorization. 

Under the Fair Credit Reporting Act ( FCRA ) and related privacy laws, I demand that you immediately : Conduct a full investigation into any unauthorized access or fraudulent activity connected to my information. 
Correct or remove any inaccurate or fraudulent information resulting from this breach. 
Provide written confirmation of the investigation findings and the actions taken. 

If this matter is not addressed promptly and properly, I will escalate the complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory authorities. I will also pursue all available legal remedies. 

This issue requires immediate attention. Please confirm receipt of this complaint and provide a timeline for resolution.

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 non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MNE Services, Inc
State: GA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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: Untimely response
Consumer complaint received 2026-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I got a call on XX/XX/XXXX from a third-party company that said they were XXXX XXXX XXXX XXXXXXXX XXXX they wouldnt give me any personal information, they said they were trying to collect on a loan that I supposedly took out online XX/XX/XXXX of XXXX, the loan was originally for {$1200.00}, but due to nonpayment it is now {$2300.00}. They said I was going to be served with paperwork. I told them that I didnt know anything about this loan. They gave me an account that the money went into ending in XXXX. I then informed them Ive never had such an account ending in that number. they verified a few bits of information that was me. but again, I told them I dont know anything about this, why was I not contacted before regarding this matter instead of waiting XXXX years? The third-party I was talking to just argued and said you did. which at that point I told him I didnt that I didnt know anything about this or I would have already taken care of all these problems and filed reports because I have never taken out any kind of loan with a speedy cash. I then informed him that at the date, he gave me that the loan was taken out. I was not working because of XXXX. so I did not have an employer or paystubs and if they would have verified the checking account and employment information and pay stubs, they would have known it was not me. or they would have denied the loan when I called speedy Cash and spoke to customer service they told me that when you apply online all you need is personal information and you can put in false information and it never gets verified. You just automatically get a loan! At that point, I told them it was illegal to do that that by law it states theyre supposed to verify all the information to make sure its not fraud, they again said they did not do that when you apply online! The third-party would not answer any questions, both times I try to speak to them regarding this matter they hung up on me! And again they first said they were XXXX XXXX XXXX, which was not correct, then a different person told me they were XXXX XXXX department firm, which was not correct, but their phone number is XXXX and the case number is XXXX! My Social Security was stolen, and all the other information they had on me is public, but the banking information was not me. It was incorrect and I was not working at the time nor did I have any paystubs so I would like to make a fraud report for this issue. I appreciate your time. Thank you so much and you can contact me XXXX XXXX at XXXX. Thank you for helping me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: Bilt Technologies, Inc.
State: MD

Complaint narrative:
I received a credit card in the mail. I did not request it. I contacted the company and informed them. They will be closing the account and are investigating who opened it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On or around XX/XX/XXXX I noticed unauthorized charges on my credit card statement. I then realized I did not have physical possession of my Navy Federal Credit Card ending in XXXX. I immediately reported this to navy federal and went through the charges and reported them as fraudulent charges. The amount was around {$2500.00} at the time. I explained to navy federal that i was not in the same state as the state the charges occurred in when they occurred. I provided proof that I was in Texas and the charges occurred in Georgia. I had left Georgia at XXXX on XX/XX/XXXX and the charges started on this date. The charges were mainly shopping clothing/merchandise at stores in or around XXXX Georgia XXXX I was in XXXX Georgia airport and departed from there at XXXX on XX/XX/XXXX. These charges were made outside of XXXX airport at stores that would not of even been open yet. It would have been impossible for me to make these charges. I explained all this to Navy Federal and provided them with proof of my flight to Texas. I remained in Texas from XX/XX/XXXX through XX/XX/XXXX. I provided proof that i was in Texas during this time. The charges made on my credit card were from XX/XX/XXXX through XX/XX/XXXX ( as far as i have noticed but there could be more ). Navy federal blocked me from being able to dispute any other or new charges. Navy Federal denied my dispute after reviewing in four times. Navy Federal stated they investigated and found that no fraudulent charges had occurred. I asked for proof of the evidence they were basing their decision on and nothing was provided. I again explained to navy federal that i was not even in the same state the card was being used in. I also stated that if it was used online for them to provide IP address and devices used to make the order. I asked for proof of physical card use along with signed receipts. Navy Federal did not provide anything and insisted that the fraudulent charges did not occur. Navy Federal then stated that the case is closed and I am no longer able to dispute these charges. I have all correspondence with navy federal documented besides the messages they erased. I have sent the a official letter requesting this case be investigated property and by law under the fair credit act. Navy Federal replied stating that i signed a card holder agreement and their decision was final.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-02 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: TX

Complaint narrative:
They authorized a payment to XXXX XXXX XXXX of around {$3000.00} dollars denominated in yen. I disputed it they sent a reply that it was my normal transaction and it was valid. i was given very little information about them, except i ordered XXXX XXXX XXXX on XX/XX/XXXX. the deliveries were made on XXXX to XXXX different addresses from hawaii to florida, XXXX utah, and i believe XXXX of the carolinas. I live in Texas and don't believe I know anyone in each of these cities. My bank card that was used on their sight was contacted that this was fraudulent and immediately took my side. A XXXX could see this was fraudulent. I have been asking to have my account closed since this happened as I rarely use paypal and really have no need of them. They have repeatedly asked for drivers license copy and all my credit card statements to prove who I am. I did relent and send a copy of my license and refused any other requests. They have refused to close it because I have a balance of {$56.00} that they owe me. They claim they can't send a check because they don't have my bank information. I did tell them that starting XX/XX/XXXX that I would charge them {$50.00} a day they don't comply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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 explanation