vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MA

Complaint narrative:
I reached out to Cash App regarding charges on my checking account debit card that I used through them through a number of charges from XXXX XXXX, for which I reached out to XXXX customer service about suspicion of them being a fraudulent casino through an email exchange and several chat interactions it was determined that XXXX is operating an illegal casino and has changed their terms of service numerous times and has also been charged in several states with deceiving customers, I disputed each transaction with Cash App after being informed by both Visa and the CFPB that I should dispute the charges with my bank I disputed each charge under the premise that they would be sent back under code 13.3 service not as advertised or not provided. I reached out to Cash App after I noticed a couple of my disputes were denied. I submitted appeals for which they claimed that I submitted fraudulent or false disputes. I reiterated to them that I never claimed that the charges were unauthorized. I told them exactly the reasons why I was disputing the charges because I was scammed into believing they were legitimate casino, cash app refunded some of the charges to nine most of them, deny my appeals, and then closed out my account, saying, I violated their terms. I reached out to them, asking what terms I violated as their terms are quite lengthy and I wasnt closed until I disputed the charges on my account. They refused to give me a reason why they close my account and they refuse to look at my disputes because they claim Im not no longer a customer, even though the charges were made when I was a customer Ive tried unsuccessfully numerous times to reach back out to them, and I keep getting the runaround without any answers. Id like the information they used to make the determination that my disputes were fraudulent. Id like to know why they accuse me of making fraudulent disputes. I like them to actually investigate and properly send back my disputes under 13.3 and Id like to know the reason that they closed out my account simply refusing to help me because Im no longer a customer doesnt relieve them. The fact that I was a customer when I dispute the charges and they cant just ignore that they are multi XXXX dollar company and our only interested in their profits in bottom line. its disgusting that they are able to treat customers like they do and its not right that they can just ignore my requests and now claim they cant help me because Im no longer a customer. I literally have thousands of debit card transactions through Cash app and disputed only these from the illegitimate casinos. There is zero oversight for them because they are financial service company, not a bank and are able to skirt any responsibility for their grossness management of my account and the lies that theyre proclaiming

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime will make me go more negative than i already was and when i pay my spot me back they don't give me my money like they should. I deposited money and they won't provide a resolution to my money not being available i was on hold for 30 minutes with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am formally appealing the denial of dispute claim XXXX with Bank of America. This was an unauthorized, fraudulent transaction. On XX/XX/XXXX XXXX XXXX XXXX owned by XXXX XXXX, made an unauthorized charge of {$890.00} on to my credit card. I let Bank of America know of this charge and they have not presented any actual documented proof of approval signed and dated by me. I have purchased from this merchant in the past therefore they have my personal and credit card information. In XXXX it was for only one bottle of XXXX XXXX that was filled on XX/XX/XXXX and payment was made for this purchase in the same month. The merchant having my personal information is not evidence that I agreed to any additional goods/services for the fraudulent charge. Merchant simply stating that I received any goods/services to the amount of {$890.00} is not evidence ; yet it is still on me as a consumer to fight the charges while no legal proof of agreement is provided. I came to the office on XX/XX/XXXX to speak with the owner and she mentioned joining her medispa membership. I said I am not interested and declined. No goods/services were requested or received from the visit. Merchant told me not to worry, but later that day I saw an alert that they still ran my credit card. The merchant has not provided any proof of a signed and dated payment receipt by me for this amount that is charged on XX/XX/XXXX. The merchant has not provided a signed and dated document for XX/XX/XXXX showing the claimed goods/services was received or was provided to me. Documents such as : Treatment-Specific Informed Consent relating to the XX/XX/XXXX charge A purchase agreement form relating to the XX/XX/XXXX charge The merchant has not submitted any relevant legal binding document that shows I had agreed to any goods/services for the amount of {$890.00} charged to my credit card on XX/XX/XXXX. The merchant provided a consent form from XXXX of XXXX, which is for the purchase I made in XXXX of XXXX not at all related to the unauthorized charge. Again, this is an unauthorized and fraudulent transaction and I have filed a police report to the city of XXXX and Washington State Attorney General 's Office. XXXX 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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WI

Complaint narrative:
I am filing this complaint regarding Chimes denial of my fraud claim involving unauthorized XXXX XXXX transactions. An unauthorized person gained access to my email account and then took over my XXXX XXXX account. The scammer changed my XXXX XXXX account information, including contact information, and used my linked Chime bank account to add funds to XXXX XXXX and send money to another XXXX XXXX user. They also tried to get into my XXXX and add their email but they werent able to successfully get any money as I deleted my linked bank account that day. I did not authorize these transactions. My phone remained in my possession, but my accounts were compromised through unauthorized access. This was an account takeover situation, not a purchase dispute or a transaction that I approved. I reported the fraud and provided information regarding the account compromise. Despite this, Chime denied my claim and stated that they did not find an error but did not provide specific evidence showing that I authorized the transactions. The disputed amount was {$410.00}. I am requesting that Chime : 1. Reopen and fully review my claim. 2. Provide the evidence used to deny my dispute. 3. Review all evidence related to the XXXX XXXX account takeover, including account information changes and unauthorized access. 4. Reimburse the unauthorized transactions if the investigation confirms the account was compromised. I have attached the denial letter and any supporting documentation showing unauthorized account changes and evidence of the XXXX XXXX takeover. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: Block, Inc.
State: WI

Complaint narrative:
I am filing this complaint regarding XXXX denial of my fraud claim involving unauthorized Cash App transactions. An unauthorized person gained access to my email account and then took over my Cash App account. The scammer changed my Cash App account information, including contact information, and used my linked XXXX XXXX account to add funds to Cash App and send money to another Cash App user. I did not authorize these transactions. My phone remained in my possession, but my accounts were compromised through unauthorized access. This was an account takeover situation, not a purchase dispute or a transaction that I approved. I reported the fraud and provided information regarding the account compromise. Despite this, XXXX denied my claim and stated that they did not find an error but did not provide specific evidence showing that I authorized the transactions. The disputed amount was {$410.00}. I am requesting that XXXX : 1. Reopen and fully review my claim. 2. Provide the evidence used to deny my dispute. 3. Review all evidence related to the Cash App account takeover, including account information changes and unauthorized access. 4. Reimburse the unauthorized transactions if the investigation confirms the account was compromised. I have attached the denial letter and any supporting documentation showing unauthorized account changes and evidence of the Cash App takeover. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: GA

Complaint narrative:
On XX/XX/year>, Chime approved my dispute and credited my account for unauthorized/erroneous charges from XXXX. Chime determined an error had occurred. On XX/XX/year>, I filed a second dispute for additional charges from the same vendor, XXXX, related to the same situation. These were charges I inadvertently omitted from my first dispute. On XX/XX/year>, Chime denied this second claim ( {$690.00} ), stating no error occurred. This directly contradicts their finding in the first dispute. I can not accept that charges from XXXX are both erroneous ( first claim approved ) and error-free ( second claim denied ) simultaneously from the same vendor and situation. Chime has provided no explanation for this inconsistency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Apple Card/Goldman Sachs is being racist to me and not believing me because I am XXXX and Goldman Sachs is XXXX to me. I sent them CLEAR PHOTO proof that the items I received were NOT the items I ordered, I ordered an XXXX XXXX and instead received plastic carrying cases for it, see attached photos. Goldmans Sachs is XXXX to XXXX and does not believe my clear photos for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am writing regarding your recent response to my dispute in which you stated that the late payment reported on the account below was verified. However, your response did not provide any actual documentation or evidence showing how you determined that the payment was late or how your investigation was conducted.

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
" I am submitting a formal emergency complaint against Wells Fargo Bank, N.A., regarding the sudden, unjustified, and deeply damaging suspension of my accounts. As a consumer, I complied with every security protocol mandated by the bank, utilizing multi-factor email authentication and digital card masking tokens. The bank further mitigated all risk by canceling my personal debit card. Despite doing everything right, Wells Fargo 's antiquated backend systems collapsed, allowing an automated weekend glitch to freeze my entire financial existence. The bank 's system is so restrictive that it is actively hiding my own routing and account numbers from me, completely blinding me to my financial ledger. This has engaged in an egregious, abusive banking practice under Dodd-Frank UDAAP provisions . It has stripped away my ability to monitor my incoming insurance broker commission residuals and deposit funds accordingly to prevent defaults. The bank is holding my liquid assets hostage in a vacuum without regulatory justification, weaponizing an institutional failure against a consumer while continuing to process backend ledger transactions without my visibility. '' " Wells Fargo has engaged in an egregious, abusive banking practice under Dodd-Frank UDAAP provisions . As a consumer, I complied with every security protocol mandated by the bank, utilizing multi-factor email authentication and digital card masking tokens. The bank further mitigated all risk by canceling my personal debit card. Despite doing everything right, Wells Fargo 's antiquated backend systems collapsed, allowing an automated weekend glitch to freeze my entire financial existence. The bank 's system is so restrictive that it is actively hiding my own routing and account numbers from me, completely blinding me to my financial ledger. This has stripped away my ability to monitor my incoming insurance broker commission residuals and deposit funds accordingly to prevent defaults. This gross administrative overreach reflects Wells Fargo 's documented history of unethical business practices and systemic failures to protect consumers. '' " The stress and financial isolation caused by this sudden, unjustified blackout resulted in a severe medical emergency requiring emergency room admission and intravenous treatment for severe dehydration, as documented in medical records available upon request. '' Sincerely, XXXX 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 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I mistakenly sent XXXX dollars to a person by the name XXXX XXXX i dont know him have no type of relationship or anything with this stranger I did this accident on the XX/XX/year> between XXXX am reached out to Cash App did as they ask to get my money back but was unsuccessful the individual keeps rejecting my request for my money back and Cash App so useless and cant help me they just let the person steal my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am filing a complaint against Chime Financial , Inc. for wrongfully withholding my funds. Chime approved and released a check deposit into my account. Five days later, they deducted {$100.00} claiming it was a returned check. When I called customer service, the agent explicitly admitted this deduction was a system error and promised that Chime would mail a {$100.00} reimbursement check to my address. I have not received this check. Chime customer service representatives are now actively hanging up on my calls to avoid resolving this.Because Chime keeps internal call records and agent notes, I am requesting that regulators compel Chime to review the audio recordings and agent notes from my recent phone calls, which will definitively prove that their employee confirmed the error and promised the {$100.00} return check. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
They keep charging me overdraft fees for literally no reason. I dont know if its a mistake that they keep making through the app or what not but I guess cause they give me an additional day to put the funds back into the account. I made sure that I did that this time I was making sure that I didnt overdraft and then came the Monday because it happened over the weekend, they charge me an overdraft fee once again because it happened before and then they said that they cant have it refund or whatever cause they only give you one time a year to do a refundable thing and I said yeah, but that wasnt my fault. Long story short they did not take in consideration on what I was saying and still charge me the overdraft fee. I just wanted to close my Wells Fargo account completely and have a new bank cause this is just not working for me.

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 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App closed my account due to a terms of service violation. While I understand they have the right to terminate our business relationship, they are currently withholding my remaining balance of {$140.00} and preventing me from cashing out to my previous linked bank account and not allowing me to link a new card or temporarily reactivating my account to transfer it out. I have been trying to work with them since XX/XX/year> and still have not received my money or any help. A terms of service violation does not grant a financial institution the right to seize or permanently hold a consumer 's funds. I am requesting that Cash App immediately release my funds in the amount of {$140.00} from my business account so I can withdraw my balance and close the account permanently. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I submitted a Social Security Administration ( SSA ) -based Total and Permanent Disability ( TPD ) discharge application on XX/XX/XXXX. Since then, my application has remained pending for more than 13 months. Multiple times, I was notified that my disability documentation was incomplete. Each time, I promptly submitted an updated SSA Benefit Verification Letter showing that I remain entitled to SSDI benefits and that SSA has determined I meet its disability standard. After each submission, the application was returned to processing status. This cycle has repeated several times, including in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite repeated compliance with documentation requests, no final decision has been issued. I am requesting immediate supervisory review, a written explanation of any specific remaining deficiency, and expedited processing of my TPD discharge application. If additional verification is needed, I request that it be obtained directly from SSA rather than requiring repeated submission of substantially identical benefit verification letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: VA

Complaint narrative:
XXXX XXXX Account closed and equipment turned in XXXX XX/XX/XXXX XXXX Balance reflected on statement XXXX XX/XX/XXXX Continued billing after XXXX, unrecognized, until XXXX Repeated emails and portal requests for refund Stopped payments via card issuer Erroneous debt sold to IC System Continued collection efforts and credit bureau reporting to present VA Mortgage loan application XX/XX/XXXX pending due to open collection Trade line disputed with IC System and all 3 credit reporting bureaus

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 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XXXX XXXX XXXX crypto payments. Two accepted. One declined. They won't give me an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
American Express file a lawsuit on the remaining balance of the American Express card totally {$1900.00} I acknowledge the debt in court and the debt was paid off with the amount of a lien on my house has not changed it has not been removed American Express use a law firm called XXXX XXXX XXXX XX/XX/year> I would like that document remove for my home.

Company response to consumer: Closed with explanation