vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I Have Submitted My Application To Receive Reimbursement From The Equifax XXXX XXXX XXXX and I Have Contacted Them Several Times And Have Been Told They Havent Received My Application. My Information/Identity Was Stolen Based On Their Website Research Report and Based Upon The Information That I Received Directly From Them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Self Financial Inc.
State: AR

Complaint narrative:
I tried to apply for a credit card and get the both physical and virtual cards but the process was delayed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Needing help trying to figure out if this is the right platform to best help with the problem I have experience with JPMorgan Chase I was a chase costumer starting from XXXX until XXXX and around summer of XXXX chase or someone at chase hacked my account processing two digital checks paying a chase branch in Oklahoma I reside in XXXX Ga and I have never been to Oklahoma so after some time I was given my funds back this is relevant because a few months later I was using my XXXX mobile device to access XXXX and posted on XXXX around XXXX possibly XXXX was a data breach settlement involving JP Morgan Chase and if you were a costumer during this time join to receive compensation now again this was posted on XXXX and being a nave fool I believe it and the moment I inputed my real name into it chase closed my account and also attached something to my banking history report making It difficult for me to bank with other banks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have XXXX XXXX XXXX card issued by US Bank. The card has annual membership fee of {$99.00} and one of the promised perks is 5 % XXXX XXXX flight coupon. My membership was renewed beginning of XXXX. It's currently end of XXXX and I still have not received the coupon code. I have tried to contact US bank at least 5 different times trying to find out when I should expect to receive my coupon code. The customer service either kept routing me to incorrect departments ( XXXX XXXX customer service, travel center, etc ) or provide inconsistent answers. I've been told 10days, 30days, 4weeks, 4-6weeks, 6-8weeks. At this point, I just want to know when they will issue the coupon code. They should not be allowed to advertise this perk and not provide it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Subject : Unjustified Account Closure, Contradictory Instructions, and Withholding of {$500000.00} Statement of Facts : I am filing this complaint to request immediate intervention regarding SoFi 's refusal to release {$500000.00} of my personal funds, following a series of contradictory instructions and an unnotified account closure. Initial Transfer and ACAT Rejection : On XX/XX/year>, I transferred {$500000.00} into a SoFi investment account. Shortly after, I attempted to initiate an Automated Customer Account Transfer ( ACAT ) to my XXXX brokerage account. This transfer was declined more than five times. Upon contacting XXXX for assistance, I was informed that the rejections were originating from XXXX XXXX. Contradictory Instructions from SoFi : I subsequently contacted SoFi customer service regarding the ACAT failures. SoFi representatives informed me that the ACAT was not permitted and instructed me that the only way to access my funds was to transfer the {$500000.00} back to the original funding bank account. Withdrawal Halt : Following SoFi 's direct instructions, I attempted to transfer the funds back to my original bank. However, the SoFi system rejected the transaction, displaying an error that my account was under a " withdrawal halt. '' Unnotified Account Closure : Despite my repeated attempts to execute the withdrawal as instructed and multiple calls to customer service for support, SoFi abruptly closed my account entirely without any prior notice, warning, or explanation. Current Status and Lack of Transparency : When I called to demand the return of my {$500000.00}, SoFi representatives stated only that they are " working on it '' and that the funds must be cleared by their " security team. '' I was told that once cleared, a check would be mailed to me, taking an additional 15 to 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Overdraft fees applied to my Chase bank account on XX/XX/year> three times for the amount of {$34.00}. Overdraft fee applied on my Chase account on XX/XX/year> for the amount of {$34.00}. Overdraft fee applied to my Chase account on XX/XX/year> for the amount of {$34.00}. Overdraft fee applied to my Chase account on XX/XX/year> two times for the amount of {$34.00}. Overdraft fees applied to my Chase account on XX/XX/year> for the amount of {$34.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
This debt is not mine. I do not recognize having any account or service with XXXX XXXX and I have never authorized or opened this account. I am requesting that this account be permanently removed from my credit report. A collection account was placed on my credit report by Jefferson Capital Systems for a XXXX debt in the amount of {$1200.00}. I have disputed this information previously through the credit reporting process, but it continues to appear on my credit report. I have tried to resolve the issue as of forever with them but instead receive a very aggressive attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They said that they don't owe me any refunds. The statue of limitations as pass

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Its been almost a year. I asked the bank would it be possible for me to get my debit card back. There services stated no! I would have to wait until a year. I have asked there services several times would be possible to get it back sooner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: IA

Complaint narrative:
My account was charged fraudulent charges several times and am not getting my money back from Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute an item listed on my credit report. The account in question has not been properly validated, and I am requesting its removal in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Account Information : Creditor Name : XXXX XXXX I previously requested validation of this debt, and to date, I have not received sufficient documentation to verify that this debt is accurate and belongs to me. As such, this account is being reported without proper validation and was sold to a third party who has not provided any documentation. Under federal law, if a debt can not be verified, it must be removed from my credit report. I am requesting that you conduct a reinvestigation of this account. If the creditor or collection agency can not provide adequate proof of the debt, I ask that you promptly delete this account from my credit file. Please provide me with written confirmation of your investigation results and notify me once the item has been removed. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute an item listed on my credit report. The account in question has not been properly validated, and I am requesting its removal in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Account Information : Creditor Name : XXXX XXXX I previously requested validation of this debt, and to date, I have not received sufficient documentation to verify that this debt is accurate and belongs to me. As such, this account is being reported without proper validation and was sold to a third party who has not provided any documentation. Under federal law, if a debt can not be verified, it must be removed from my credit report. I am requesting that you conduct a reinvestigation of this account. If the creditor or collection agency can not provide adequate proof of the debt, I ask that you promptly delete this account from my credit file. Please provide me with written confirmation of your investigation results and notify me once the item has been removed. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avant Holding Company, Inc.
State: CO

Complaint narrative:
Was never served, XXXX XXXX notice of judgement against me, today they took XXXX from my checking account with NO notice of garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am reporting an unauthorized transaction on my Chime account. Someone accessed my account without my permission and sent money to a person I do not know, located in another state ( Missouri ), while I am located in California. I filed a dispute with Chime, but they denied my claim and are now telling me I must wait XXXX days just to receive an email to reopen it. This was not an authorized transaction, and I am requesting : - Immediate reopening of my dispute - A full investigation - Reimbursement of the unauthorized funds I can provide additional documentation, including a police report if needed. Chime is failing to properly investigate fraud on my account. On XXXX XXXX when I got to work I received several notifications. {$50.00} was sent to XXXX i. My pay advance of {$120.00} was accessed {$180.00} was sent to XXXX XXXX ( XXXX of {$230.00} ) I immediately called chime but i kept getting placed with the robot. When I finally got in contact with someone they immediately logged devices out of my account including me. Which lead to me changing my password. I was then told my dispute would take XXXX days plus. However, XXXX days later I received an email stating that there was no error occurred. And that my dispute was closed. I called chime back and demanded to reopen my case. And they said it would take about XXXX business days to receive an email that would ask for more information so that i can reopen. However, i just got my weekly check from work. And with a short check already, automatically chime took what they let XXXX borrow which was {$120.00} leaving me with no to little money. I immediately called chime again as I seen that I still had to pay that back after telling them it was FRAUD. That I did not authorized that transaction. And told me once again I had to wait yet another XXXX days for an email to reopen my dispute. Literally putting me on a finical hardships as I was saving money for upcoming bills. I asked that this is pleased looked and investigated THROUGHLY. Somehow get IP address when the money was sent because it was 100 % NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XXXX setup a new credit card with Citi through XXXX XXXX last week. I still have not recieved my card but I just recieved an email from them regarding a personal loan offer application that I did not submit. I was rejected from the personal loan application and they did not have any knowledge of it when I called the Citi customer service team. They said to call back later but it seems someone may have been messing with my credit scores as I froze the accounts and then they were unfrozen not by 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 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: WA

Complaint narrative:
After Cash App Services has final addressed that they do not have any response a XXXX as prior falsely claimed after {$260.00} was take out of my account unauthorized. Cash app admits to having no information to the said company they sent my money out to and Cash App Services make false claims that they did not hear from me for 3 days. Which I sent documents to prove that was an untrue. So cash app refuses to address three specific days they claim that I did not contact. After I filed with the Washington State attorneys General 's office. Now Cash App Services quickly wrongfully closed my account and booked me from responding in my App Chat. Claiming that I am business and I am not. I have always had a personal account. Never a business an. I don't even have business nor represent a business. This is all out the blue started on XX/XX/year> thru XX/XX/year>. Cash App Services is now staying Cash App Service hold XXXX information regarding purchases, regarding company information, and de not hold on to responses from copies when disputed or appealed. So they have nothing to giver me. Now out of retaliation that I have supporting documents to prove Cash App Services is fraudulent and deceptive. Cash App had shut down my account for communications. So they Cash App Services can make another false allegation of not hearing from me for 3 Days. The new false allegation is now said " investing issues '' and I don't have a business and do not have any investing. I have only a personal account that Cash App Services released out of my account {$260.00} unauthorized. And I will not all Cash App Services and Block Inc to get way with this crime, violation, and many false accusations. XXXX Related to these complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Open Submitted to the CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX money transfer XXXX transaction problem Cash App Services XX/XX/year> Open Submitted to the CFPB XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Fraud or scam Block Inc XX/XX/year> XXXX Fraud or scam

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bounce AI, Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX writing on behalf of a XXXX XXXX account that I have several different times this month alone made it clear I did not all XXXX gave documentation XXXX the credit bureau agency proving such they still less than XXXX days. Came back with inaccurate information. I also attempted XXXX contact the corporate office XXXX they chose XXXX do nothing but allow unprofessionalism XXXX inaccuracy XXXX continue XXXX my credit report is displaying an account that I do not owe the information is false on my report, stating I when I do not. The credit bureau XXXX is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of a dispute for a {$1200.00} charge from XXXX XXXX XXXX XXXX XXXX. Bank of America denied my claim on the basis that I did not return the merchandise. However, this is factually incorrect and reflects a misclassification of the dispute. I never took possession of the merchandise. The merchant retained both the lenses and my personal frames and confirmed via voicemail and text messages that the lenses were still in their possession and being remade. I declined acceptance of the product and requested a refund. Because I never received or accepted the merchandise, it was not possible for me to return it. The banks requirement for a return receipt or tracking information is not applicable in a non-delivery situation. I provided evidence showing that : The merchant retained possession of the lenses The product was never delivered or accepted I requested cancellation and a refund The merchant refused the refund Despite this, Bank of America evaluated the dispute as if I had received the merchandise and failed to return it. This is an incorrect application of dispute rules. The issue is non-delivery / non-completion of service, not failure to return merchandise. I am requesting that Bank of America re-evaluate this dispute under the correct classification and reverse the {$1200.00} charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
I am submitting this complaint against Chime XXXX regarding unauthorized transactions on my account that were wrongfully denied after dispute. On XX/XX/XXXX unauthorized transactions occurred on my account without my knowledge or permission. I believe I was the victim of fraud/phishing, which resulted in unauthorized access to my account. I promptly reported the issue to Chime and filed a dispute. However, my claim was denied without sufficient explanation or a reasonable investigation. I did not authorize these transactions, nor did I benefit from them in any way. Under the Electronic Fund Transfer Act ( Regulation XXXX ), I am entitled to protection against unauthorized electronic fund transfers. I am requesting that Chime provide documentation supporting their denial and conduct a full and fair reinvestigation of my claim. I am seeking reimbursement of the unauthorized transactions and accountability for the failure to properly investigate this matter. I am prepared to provide supporting documentation, including transaction records and communications if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: ID

Complaint narrative:
am filing a complaint regarding my Cash App account, which has been restricted/closed while still holding a remaining balance of {$310.00}. Cash App has disabled my ability to access my funds entirely. I am unable to : Send money to another user Link or add a bank account or debit card Cash out my balance I contacted Cash App support and formally requested a withdrawal of my remaining balance. I specifically requested that, if electronic withdrawal is not possible, they issue a check or provide another method to retrieve my funds. Cash App support refused to provide any solution or method for me to access my money. At this point, my funds are being held with no way for me to retrieve them. I have made multiple attempts to resolve this directly with the company, but they have failed to provide a resolution. I am requesting that Cash App immediately provide a way for me to withdraw my full remaining balance of {$310.00}, either electronically or by check. This situation is causing financial hardship, as I need access to my funds and the company is preventing me from retrieving my own money.

Company response to consumer: Closed with explanation