vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> an unauthorized withdrawal in the amount of {$980.00} posted to our Chase checking account. I called Chase immediately on the morning of XX/XX/XXXX to report this activity. After several calls and transfers to various departments with non-English speaking individuals we were told this was a loan payment to XXXX XXXX XXXX I con- firmed that neither my husband or I have a XXXX XXXX loan account. We contacted XXXX who confirmed in writing they did not receive a payment in this amount for a loan payment from us. I provided this info. to Chase 's Claims Dept. Several days later I received a basic form letter denying a reversal of the transaction stating it was an authorized transaction performed on my laptop using my ip address. I have been trying to work with Chase every week up until this date, by phone and in person at a local branch office. On XX/XX/year> I received a phone call from Chase 's Fraud Dept. advising they had frozen my accounts due to the fact that on XX/XX/XXXX XXXX attempts were made in a XXXX minute spam to remove funds from my checking account, savings account and via a XXXX transaction. They recommended I take my laptop and have it professionally scanned for virus activity. I brought the laptop to XXXX XXXX XXXX they performed a scan and confirmed my laptop had been hacked with XXXX virus 's that compromised by ip address and security app. It took them XXXX full days to remove the virus 's and restore my applications. They provided me with a written report of this information. I brought the report to the Manager in the local Chase Branch who contacted the Claims Department and uploaded the report from XXXX in my presence. She was told I would receive a confirmation in my checking account via mobile app that the information was received and I would receive a decision on reversing the transaction in 3-5 business days. She was confident the transaction would be reversed. I never received any of these confirmations in my checking account. About 10 days later I received the same denial letter that I had previously received 5 or more times. The top managers at the local Chase branch are stumped and can provide no further direction as to any other recourse to reverse this transaction. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/year>, I sent {$170.00} through Cash App to purchase a childrens XXXXXXXX XXXX that was listed on XXXX XXXX as being in great condition still as new. I agreed to purchase the item for {$170.00} based on that description. After receiving the item, it became clear that it was not in the condition described and did not work properly. When I contacted the seller, they admitted in text messages that the item had been sitting unused in their garage for over XXXX XXXX which contradicts the listing description stating the item was still as new. I requested a refund and offered to return the item, but the seller refused and stated the sale was final. Because the item was materially misrepresented, I filed a dispute with XXXX XXXX Bank since the Cash App payment was funded through my bank account. The bank denied my dispute stating that Cash App transactions are authorized payments. While the payment itself was authorized through Cash App, it was authorized based on misleading information provided by the seller. I provided the bank with evidence including the XXXX XXXX listing, text messages where the seller admits the item had been sitting unused for over a year, and proof of the {$170.00} transaction. I have been attempting to resolve this issue since XX/XX/year>. I am requesting that Cash App help me with this dispute since XXXX XXXX XXXX denied my dispute even though Im showing proof of misrepresentation of the item purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo has repeatedly refused to formally acknowledge their rejection of an XXXX XXXX international wire transfer to my Wells Fargo Checking account that XXXX XXXX attempted on XX/XX/year> for {$8700.00}. Wells Fargo has also refused to provide a reason for the rejection. And, Wells Fargo has so far refused to return the funds to XXXX XXXX so that XXXX XXXX can attempt to send the money to me through other means. The funds are the proceeds of the sale of shares that I owned in XXXX XXXX XXXX. I sold those shares on XX/XX/year>. Officially, Wells Fargo denies that it has any record of the attempted transfer. However, that is a provable lie, because I have provided Wells Fargo screenshots of the transaction as it shows on a Wells Fargo payment tracking system that is available for customers to check the status of incoming international wire transfers. The portal shows the date, time, amount and the Wells Fargo rejection. Wells Fargo is required under federal law to provide me the information I have been seeking. XXXX XXXX has run a XXXX trace and has informed me that Wells Fargo has not returned the funds to them. The Consumer Financial Protection Bureau was created by Congress specifically to protect consumers from this type of abuse by a US bank. I expect the agency to achieve justice on my behalf.

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
i do not have a contract with this company and i do not owe them any money please remove this under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: DE

Complaint narrative:
I am filing a complaint regarding a {$400.00} federal student aid refund that I never received. A refund check issued by my loan servicer, Nelnet, expired after 90 days. I was unaware of the expiration timeline. When I attempted to deposit the check, it was returned as stale. Nelnet informed me that after 30 additional days, the funds were returned to XXXX XXXX XXXX within the U.S. Department of Education and can not be reissued. I have contacted Nelnet and my school, and I have been told that no replacement check can be issued. However, no one has clearly explained where the {$400.00} was applied or how I can recover these funds. I have also not been provided with documentation showing the final disposition of this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have moved to a town that does not have a Chase bank where I have my money and I am attempting to transfer the money from my Chase bank to a new bank located in the town I live. The transfer some is XXXX but Chase will not let me access this money or transfer it any more than {$5000.00} a week and a limit of {$20000.00} a month. I have repeatedly tried to work this issue out with Chase that they have been intractable and difficult to work with. They are nearly impossible to get a hold of a live representative and often after spending five minutes going through the phone tree I am told they are unable to answer my call and I have to call back later.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint against Bank of America regarding a credit card payment issue caused by an Autopay failure. I have automatic payments configured to ensure my account remains in good standing. Despite this setup, the payment was not processed correctly. I have made two distinct attempts to resolve this directly with the bank : On XX/XX/year> : I called customer service, but the representative stated they could not address the issue because a supervisor was unavailable at that time. On XX/XX/year> : I followed up and spoke with a supervisor named XXXX XXXX. Despite explaining that the missed payment was due to an internal Autopay error and not a lack of funds, Supervisor XXXX refused to refund the late fee, waive the interest charges, or ensure that my credit report would remain protected from negative marks. As the error originated with the bank 's automated system, I should not be penalized financially or have my credit standing jeopardized. Desired Resolution : > 1. Full refund of the late fee. 2. Reversal of all interest charges associated with this incident. 3. Confirmation that no negative information regarding this specific event will be reported to the credit bureaus. Thank you!

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE 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: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding Bounce AI, Inc.s continued attempts to collect an alleged debt without providing proper validation. I sent a certified written request for validation of this debt, which was delivered on XX/XX/year>. In my request, I asked for documentation including a copy of the original agreement, a full payment history, an itemization of the balance, and proof of the companys authority to collect this debt. As of today, more than 30 days have passed and I have not received any response or documentation from the company. Despite this, Bounce AI continues to contact me via email and attempt to collect the debt, including offering settlement options and payment plans. This constitutes continued collection activity without providing validation as required under the Fair Debt Collection Practices Act. I am requesting that the company either : 1. Provide full validation of this debt, including all requested documentation and proof of authority to collect, or 2. Cease all collection activity and remove the account from all credit reporting agencies if they are unable to validate the debt. I have attached documentation supporting my request, including proof of certified mail delivery and recent collection communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: AK

Complaint narrative:
I am submitting this complaint regarding an unresolved billing dispute with Affirm. In XX/XX/XXXX, I financed a purchase through XXXX XXXX using Affirm. On XX/XX/XXXX, I made an initial down payment of {$670.00}. This reduced the financed principal to {$3100.00}. The loan terms provided by Affirm reflect this reduced principal amount, along with {$1700.00} in interest ( 31.47 % ), for a total repayment amount of {$4900.00}. As of today, I have paid a total of {$5000.00} toward this loan, which exceeds the agreed total repayment amount. Based on this, the loan should be considered paid in full, and I have overpaid. However, Affirm claims that I still owe an additional {$520.00}. This is incorrect. Based on my records and supporting documentation, Affirm appears to have incorrectly processed the loan principal as {$3800.00} instead of {$3100.00}, failing to properly apply my initial down payment. I have attached documentation titled Payments XX/XX/XXXX XX/XX/XXXX, which demonstrates this discrepancy, as well as the original loan terms confirming the correct principal amount. Despite providing this evidence, Affirm has not corrected the error. I have already attempted to resolve this issue directly with Affirm and have also filed a complaint with the XXXX XXXX XXXX, but the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK
State: MD

Complaint narrative:
On XX/XX/year>, the short sale for the homeowners FHA-insured mortgage was approved by FHA, as confirmed by both XXXX XXXX and FHA. However, as of today, XXXX XXXX has still failed to generate and issue the official short sale approval letter required to proceed with closing. According to XXXX XXXX, the approval letter is set to expire on XX/XX/year>, yet we have not even received the document to begin the closing process. Without the approval letter, title work, settlement coordination, and final closing steps can not move forward. We have repeatedly contacted XXXX XXXX and confirmed they do not need any additional documents or information from us. Despite that, nearly 20 days have passed since approval with no letter issued and no resolution provided. This delay is placing the homeowner at risk of losing the short sale approval and potentially facing foreclosure or other serious financial harm due solely to the servicers failure to timely issue the already-approved short sale letter.

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 2026-04-27 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: U.S. BANCORP
State: OH

Complaint narrative:
Today, XX/XX/XXXX I called the number on the back of my U.S. Bank Secured credit card to inquire why a payment I made on XX/XX/XXXX, had not applied to my available credit. On my first call, I was asked if I had made an ACH, or debit card payment, then placed on a hold. After a brief 30 second hold, I heard a blaring dial tone ( as if someone was pressing down a number ). I called out multiple times to no avail. After 2 minutes I hung the call up. I called again and spoke to another representative who placed me on another hold period. This person told me there was a hold on my payment and funds would not be available until the end of the month. I mentioned that this was unacceptable, and further raised concerns with the lackluster support I receive every time I contact them. I was asked what should they do about this? Essentially a shoulder-shrug? There is no accountability at U.S. Bank and I suggest an investigation be held with how they handle their accounts. Following being told a hold is placed, I asked for escalation and my account to be closed. I was then transferred to " XXXX '', a standoff-ish, oddball whom asked me who I spoke to and that I am the problem with the support interactions I have with their bank. If you call U.S. Bank 's Credit Card support, you can guarantee a XXXX minute hold, incomplete answers, and an accusation from their representatives. It almost makes you think they want to open and close an account in your name on purpose. I can't XXXX I am the first to deal with U.S. Bank 's subpar support, mobile application, web portal, and value, but at what point is this complacent?

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 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/year>, I initiated a wire transfer in the amount of {$29000.00} from my Wells Fargo account to a company I believed to be a legitimate business selling a vehicle online. After the transfer was completed, I discovered that this transaction was part of a scam and that the recipient was fraudulent. I immediately contacted Wells Fargo to report the fraud. The bank attempted a wire recall ; however, I was later informed that the funds had already been withdrawn and that no recovery was possible. Wells Fargo has since denied my claim and stated that they are not responsible for the loss. I am filing this complaint because I believe Wells Fargo failed to adequately protect me as a consumer in the following ways : XXXX. Failure to Provide Adequate Warning : At the time I initiated the wire transfer, I was not clearly or meaningfully informed that wire transfers are equivalent to cash and are irreversible once sent. Given the size and unusual nature of this transaction, I believe the bank had a responsibility to ensure I understood the risks. 1. Failure to Identify or Act on Red Flags : This was a large, one-time wire transfer to a new recipient, which is not typical activity for my account. Wells Fargo did not question or flag this transaction, nor did they implement any additional verification or fraud prevention measures. 1. Lack of Consumer Protection and Recourse : I reasonably believed that my bank would provide some level of protection against fraud, especially for a transaction of this magnitude. I was not informed that I would bear the full loss in the event of fraud. 1. Inadequate Response After Fraud Was Reported : While a recall attempt was made, Wells Fargo has not provided sufficient detail regarding their efforts, nor have they demonstrated that all possible steps were taken to recover the funds or investigate the receiving institution. Desired Resolution : I am requesting that Wells Fargo : * Conduct a full reinvestigation of this transaction and their handling of the situation * Provide documentation of all fraud prevention measures in place at the time of the transaction * Provide records of the wire transfer, recall attempt, and communications with the receiving bank * Reimburse me for the loss, or provide a detailed explanation of why reimbursement is not warranted under applicable consumer protection standards

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

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