vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
" Approximately six months ago, an administrative hold was placed on {$30000.00} in my Bank of America account at an XXXX branch due to an attempted wire fraud scheme. I am the lawful owner of these funds and the victim of this fraud, I am not the perpetrator. Bank of America has now withheld my funds for 180 days without providing a formal legal justification or resolution. This indefinite hold violates fair banking standards and has caused me severe financial hardship. '' While I appreciate Bank of Americas initial intervention to halt the fraudulent transaction and protect the account, the bank has now withheld my lawful funds for approximately 180 days.This extended timeline is a severe departure from standard banking practices and regulatory guidelines regarding reasonable fraud investigation holds. Under federal consumer protection laws and fair banking standards, I have the right to a transparent and timely resolution. The indefinite deprivation of my {$30000.00} has caused me an extreme substantial financial hardship. I demand the immediate release of my funds.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I am disputing inaccurate information being reported by ChexSystems that is preventing me from obtaining banking services. ChexSystems is reporting a XXXX XXXX XXXX account under my consumer file. The account is associated with the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX. I have never lived at this address and have never opened, owned, or maintained a XXXX XXXX or XXXX XXXX account. Despite disputes, this account continues to be reported as account abuse/unpaid. As a result, I have been denied bank accounts and other financial services. XXXX XXXX XXXX ( XXXX ) and financial institutions relying on consumer banking reports have used this information in decisions affecting my ability to open accounts.I dispute the ownership and accuracy of this account and the address associated with it. I am requesting a complete reinvestigation and verification of the information being reported. If ChexSystems can not verify through documentation that this account belongs to me, it should be removed from my consumer file immediately. The inaccurate reporting is causing ongoing financial hardship and preventing me from accessing basic banking services.

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 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This complaint concerns Chase handling of my consumer wire fraud recall from my personal Chase account. On XX/XX/year>, I sent a consumer wire transfer of USD XXXX. I later discovered that the payment was induced by fraud. I tried to contact Chase the same day but could not reach the proper department after business hours. On XX/XX/year>, I contacted Cha se, reported the transaction as fraud, requested an immediate wire recall, and visited a Chase branch in person. I also filed reports with local police and the FBI IC3. Chase later confirmed in writing tha t XXXX XXXX received my request to recall the wire due to fraud on XX/XX/year> at XXXX XXXX EST. Chase also confirmed that the first XXXX recall message was sent to XXXX XXXX XXXX on XX/XX/year> at XXXX XXXX asking for the wire to be recalled due to fraud. However, the Hold Harmless Letter or Letter of Indemnity was not sent to XXXX XXXX XXXX until XX/XX/year>. Chase later stated that its Claims department did not have a fraud or scam claim until XX/XX/year>, and that this was why the XXXX or XXXX was not sent earlier. This conflicts with Chase prior written confirmation that the wire recall was handled due to fraud on XX/XX/XXXX. This delay is very concerning because XXXX XXXX XXXX had indicated that funds could be available for return if Chase provided a Hold Harmless Indemnification Agreement. I followed up repeatedly by phone, secure message, and branch visits. I was told multiple times that the XXXX or XXXX had already been requested or sent and that I should wait. Later, I received conflicting information that Chase could not issue the XXXX or XXXX because the claim did not indicate fraud or scam. Chase recently informed me that only USD XXXX was recovered. Chase also stated that there is no alternative or remedy if the funds can not be recovered and that wire recalls are handled on a best effort basis. I understand that wire recalls are not guaranteed. My complaint is that I promptly reported the fraud, Chase recorded and sent a fraud recall on XX/XX/XXXX, but Chase internal Claims handling or coding apparently failed to treat the matter as fraud until XX/XX/XXXX. This appears to have delayed the XXXX or XXXX until XX/XX/XXXX and may have impaired or eliminated my opportunity to recover the stolen funds. I am asking CFPB to require Chase to provide a clear written explanation of the delayed XXXX or XXXX, the conflicting fraud claim records, the inaccurate or conflicting information provided to me, and whether Chase will reimburse me or provide another remedy if its internal handling errors caused or contributed to the loss of the recovery opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Company is charging me well over {$2000.00} when I only owed {$1000.00} moving out. I removed all the belongings from the apartment. My lease was up on the apartment. I only owe the last month. Rent and I left the apartment in good condition. They also kept my security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IN

Complaint narrative:
XXXX, and XXXX XXXX vers for debts I didn't even know I had or even was notified that I was owed or that I could have disputed them and now they are affecting my credit score bad where I can't even get any help for loans I have tried to despite them in any way possible and keep getting denied

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
First, I learned that without my consent the company had moved me from paper statements ( which I get from ALL of my credit cards ) to virtual statements. I've needed to do some back tax work and last week requested XXXX statements, as the company claim to have 24 months of statements online, but in fact have only 17 months. I requested my back statements 1 week ago and they have a limit of 12 but claim that it takes 24-48 hours to get them. I still have not gotten them, they still register as " processing '' and this means that my XXXX statements can not even be requested, and I need them on a deadline. I've called customer service three times, am always polite, they say there's nothing they can do, transferred me to the technical service department. I've been hung up on three times. This has been my principal credit card company for 10 years. They would not allow me to talk with a supervisor, saying " he'll just tell you the same thing ''. My own credit card statements- which I require- are simply not available to me. Screenshot 1 : still processing request from 1 week ago ( although states only 14-48 hrs to process ) Screenshot 2, 3, 4 : show that they only offer 17 months of statements despite claiming that they offer 24 ( last one is XX/XX/XXXX ), show that they will not allow request of other statements until the ones which have been requested are processed.

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 2026-06-11 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting on my credit report.I have reviewed my credit reports and found that this account is being reported with late payments that I dispute as inaccurate/unfair.

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 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: NV

Complaint narrative:
I am submitting this complaint regarding a disputed transaction that was processed through my U.S. Bank business account. On XX/XX/XXXX, I purchased a salt generator from an online retailer, XXXX XXXX XXXX The total charge was {$430.00}, and an additional international transaction fee of {$13.00} was charged to my account. After completing the purchase, the only documentation I received was an on-screen order confirmation number, which I fortunately captured in a screenshot as a personal habit. I never received an order confirmation email, shipping notification, tracking information, receipt, or any further communication from the merchant. When I attempted to contact the merchant on XX/XX/XXXX, I received no response. Since that time, I have not received the product I purchased, nor have I received any meaningful communication regarding the status of my order. I have been a U.S. Bank customer and business owner banking with U.S. Bank since XXXX. Throughout that relationship, I have valued the banks services and commitment to customer protection. However, I am disappointed that this transaction was processed without triggering any apparent fraud-prevention review despite several concerning indicators, including the absence of standard order confirmations and the assessment of an international transaction fee. I believe this transaction should have been identified as potentially fraudulent or otherwise subjected to additional scrutiny. As a result, I have suffered a financial loss of {$450.00}, consisting of : * Product charge : {$430.00} * International transaction fee : {$13.00} Total disputed amount : {$450.00} XXXX respectfully request that U.S. Bank conduct a thorough investigation of this transaction, review whether its fraud detection and customer protection procedures were properly applied, and provide appropriate reimbursement for the disputed charges if the merchant can not demonstrate that the product was delivered as promised. I am prepared to provide supporting documentation, including my screenshot of the order confirmation page, records of my attempts to contact the merchant, and account statements showing the charges. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I mistakenly sent {$1000.00} via XXXX through my Truist account to an unintended recipient. I contacted Truist promptly after discovering the error and requested a reversal or refund of the funds. Truist denied my claim. I submitted a second claim with additional documentation, including a police report ( filed with local law enforcement regarding the unreturned funds ), and Truist denied my claim a second time. The recipient has refused to return the funds despite formal written notice and an active police case. Truist has made no effort to facilitate recovery of the funds or escalate the matter appropriately despite the existence of a law enforcement case number.

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 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
I am writing to formally dispute the validity of the debt referenced above, which you claim I owe.Per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide documentation proving that you have the legal right to collect this debt. MIDLAND CREDIT MANAGEMENT INC is trying to collect debt from a XXXXXXXX XXXX bill from 2021 and it is preventing me from school loans. They have dates wrong as this original debt are both from 2021. I have asked multiple times to provide the original contract /agreement with XXXX XXXX and sephora and amount because it was sold to someone before them and it was a different amount. dates and amounts and name of original creditor is incorrect on my credit report. I am requesting : Proof of the agreement between the original creditor and myself. An itemized statement of the account showing how the total amount was calculated and the charges that had occured.Proof that MIDLAND owns or has been assigned these debts, including the original contract. Please be advised that I am disputing this debt. Therefore, per 15 U.S.C. 1692g, you must cease all collection effortsincluding reporting to the credit bureaus until you provide this verification. MIDLAND CREDIT MANAGEMENT INC XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I am writing to formally dispute the validity of the debt referenced above, which you claim I owe.Per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide documentation proving that you have the legal right to collect this debt. XXXX XXXX XXXX XXXX is trying to collect debt from a COMENITY BANK bill from 2021 and it is preventing me from school loans. They have dates wrong as this original debt are both from 2021. I have asked multiple times to provide the original contract /agreement with XXXX XXXX and XXXX and amount because it was sold to someone before them and it was a different amount. dates and amounts and name of original creditor is incorrect on my credit report. I am requesting : Proof of the agreement between the original creditor and myself. An itemized statement of the account showing how the total amount was calculated and the charges that had occured.Proof that XXXX owns or has been assigned these debts, including the original contract. Please be advised that I am disputing this debt. Therefore, per 15 U.S.C. 1692g, you must cease all collection effortsincluding reporting to the credit bureaus until you provide this verification. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Hello, This complaint is against XXXX XXXX for my leased contract ( account # XXXX ). After I finished the lease by paying off all the monthly payments on time, I still get a vehicle return invoice which has a disposition fee from XXXX XXXX According to the contract, I will only need to pay this fee when I simply return the leased vehicle without purchasing. But, under the condition that when I continue leasing or purchasing a new vehicle from XXXX dealership, the disposition fee should be waived - I confirmed this practice with the customer service rep. in the phone before the lease end. Therefore, I've made purchase of a new XXXX XXXX at XXXX of the XXXX dealers at the time when I returned the leased vehicle. Please check attached unexpected invoice received 30 days after the new purchase & lease return. And additional paperwork of my new vehicle purchase contract as well as leased vehicle return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: True Finance
State: MN

Complaint narrative:
Was sent offer for advance of XXXX dollars to request if paid XXXX fee to renew subscription. When paid XXXX only reason doing so to request XXXX dollar advance it dissappeared moment payment renewed subscription the XXXX dollar request gone leaving only a small amount due from prior advance the end of this month. When complained with company used line not all advance offers are gaurunteed some are denied which as pushed on is not the case here. First it was presented as approved amount to access if renewed script and even denying would still be deceitful as does not state upon approval but this dissapeared there was no request to even make. That means there was never intention of letting me request the XXXX dollar advance to be approved or denied as chips lay it was removed altogether therefore purely there to get XXXX renewal using advance request as bait removing as never existed minute got the money. I would like to make a civil suit for this as is fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I am requesting assistance regarding an unresolved issue involving my access to Zelle through XXXX XXXX XXXX XXXX. In approximately XX/XX/year>, I received a legitimate {$30.00} Zelle payment from a friend. Shortly afterward, the sender was hospitalized for over a month. During that time, he contacted his bank to report multiple transactions as fraudulent without realizing that the {$30.00} payment sent to me had been included in those disputed transactions. Once he realized the mistake, he informed his bank that the payment sent to me was legitimate and should not have been considered fraud. Despite this correction, my Zelle access was restricted. I contacted XXXX XXXX XXXX XXXX and was informed that any restrictions on their end had been removed. I also contacted Zelle and was advised that the restriction had been lifted. However, within approximately XXXX hours, the restriction was reinstated. Since then, I have repeatedly contacted both XXXX XXXX and Zelle. XXXX XXXX has advised me that there are currently no restrictions on my account and that the issue resides with Zelle/XXXX XXXXXXXX XXXX XXXX Zelle has been unable to provide me with a clear explanation for the continued restriction. I was told that a review would take XXXX business days, but my access was never restored. In addition, my daughters XXXX XXXX teen checking account is also unable to use Zelle, even though she was not involved in the transaction in question. This suggests that an internal risk flag may be affecting our membership or profiles. I have made numerous attempts to resolve this issue and have not received a meaningful explanation or a permanent resolution. I respectfully request : 1. A full review of any risk flags or adverse information associated with my records. 2. A written explanation for the continued restriction. 3. Correction of any inaccurate information. 4. Restoration of my ability to use Zelle if no legitimate basis exists for the restriction. 5. Confirmation of whether XXXX XXXX XXXX has placed any adverse designation or profile restriction on me or my household. I have acted in good faith throughout this process, and the original sender has acknowledged that the transaction was legitimate and was mistakenly reported during a period of hospitalization.

Company response to consumer: Closed with explanation