vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I submitted a formal billing error dispute under the Fair Credit Billing Act ( FCBA ) via Certified Mail to Chase regarding an automated payment plan system failure that resulted in an inaccurate 60-day delinquency. Despite providing the exact account number, specific transaction dates, and specific dollar amounts, Chase responded with a generic form letter claiming they have 'insufficient information ' to initiate an investigation. This is a clear stalling tactic to avoid their statutory investigation deadlines and is preventing me from resolving a catastrophic, inaccurate hit to my credit report. I have reached out to my credit union bank and they confirmed that they have not received a request for payment. I am attaching all documents related to this investigation as well as my bank statements showing that I have proof of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Unauthorized transactions totallig over XXXX which are listed in the attachments I send with this email complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
Complaint Regarding Fifth Third Banks Handling of Account Freeze and Closure I am submitting this complaint regarding Fifth Third Banks handling of my account in 2014. I recently received a response from Fifth Third Bank stating that its Fraud Department received a telephone call from a third party alleging that a {$45000.00} check deposited into my account was connected to a sweetheart scam. The Bank states that after receiving this information, it placed a hold on my account and later closed the account. However, the Banks response raises significant unanswered questions. The Bank has not explained : * Whether it conducted any independent investigation beyond the initial telephone call. * Whether the allegations were ever substantiated. * Whether any formal findings or conclusions were made regarding my conduct. * Whether any fraud designation, warning, or adverse notation remains associated with my name. * What happened to all funds associated with the account. * The complete disposition of funds before the account was closed. I have also requested clarification regarding whether Fifth Third Bank ever formally determined that I engaged in fraud, financial exploitation, theft, or other wrongdoing. To date, I have not received a clear answer. This matter is particularly important because the allegations have caused ongoing personal, financial, reputational, and legal harm. I only recently became aware of the existence of the allegations and am attempting to determine what actions were taken and whether any conclusions were ever reached. I respectfully request that Fifth Third Bank : XXXX. State whether any investigation was conducted. XXXX. Identify any findings or conclusions that were reached. XXXX. Confirm whether any fraud designation or adverse notation remains associated with my name. XXXX. Provide a complete accounting and disposition of funds associated with the account. XXXX. Provide any records that may be disclosed regarding the final outcome of the Banks review. I am seeking factual clarification and transparency regarding actions taken by the Bank and the basis for those actions. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
This company decided to lock up two of my cards for no reason. I contacted them via telephone on XXXX and was told they would send me a refund check, even though I said I was fine with them just unblocking the existing card. The agent, XXXX, told me there was nothing that I needed to provide them to get the check mailed to me other than my name and address which I provided. Now I am just getting emails from them from " XXXX '' every day asking me to send a copy of the front and back of the card and purchase receipt. Every day I reply that these are virtual card so there is no font and back and that there is no receipt. Seems like there is no human monitoring their email just a spambot. Its not been a week since I opened the cases and they've done nothing to either reacitvate or refund the cards they arbitrarily froze. Case numbers are XXXX ( balance {$470.00} ) and XXXX ( balance {$250.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I dispute the XX/XX/year> debit of {$2000.00} from my Wells Fargo personal checking account. The payment was an authorized XXXX transfer for services that were requested and delivered. Wells Fargo provided as basis for their withdrawal as unauthorized use of XXXX. Wells Fargo cancelled on the same day my XXXXe access. Wells Fargo has not provided the specific contractual provision that authorized Wells Fargo to reverse the funds received via XXXX for services already rendered. In fact, the sender still owes an unpaid balance for services rendered. Wells Fargo 's factual basis for the unauthorized reversal was prohibited use of XXXX for a business transaction, rather than for friends or family. On or about XX/XX/year>, Wells Fargo received a false scam claim against me ( as Wells Fargo has repeatedly explained a scam is when someone represents to be another merchant or financial institution -- I provided legal services to the XXXX sender and she has submitted various payments for legal services given to her -- she then decided not to pay her dues and instead file a false scam claim against her attorney. Wells Fargo received the false claim on XX/XX/year> -- the funds remained in my account until XX/XX/year> decided to contact me to ask if I know the sender and in what capacity. " I am her attorney, '' I explained. Wells Fargo then informed me about the fraud claim, closed my XXXX access and immediately reversed the {$2000.00} XXXX transfer. XXXX is not intended to provide buyer/seller protections like a credit card. A sender generally can not use XXXX to reverse a completed, authorized payment merely because they are unhappy with the transaction. A bank may still restrict or close XXXX access if it believes the use violated its terms, but closing the service and clawing back settled funds are different actions. The bank needs a contractual or legal basis for the debit itself. We have exhausted all possible communication channels with Wells Fargo during the last 8 months. Because Wells Fargo can not identify a contractual basis for the reversal of authorized XXXX payment, I request restoration of the {$2000.00}.

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: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Subject : Formal Complaint Regarding Denial of Banking Services and Request for Reconsideration To Whom It May Concern : I am writing to formally request a review of Chime 's decision to deny my application for a bank account. I previously maintained a Chime account for several years. My understanding is that the account was eventually closed due to inactivity. At no time was I informed that I had violated any account terms, committed fraud, owed a balance, or engaged in any activity that would justify a permanent denial of future banking services. Recently, I attempted to open a new account and was denied. Despite my efforts to obtain an explanation, I have not been provided with a specific reason for the denial. As a consumer, I believe I am entitled to understand the basis for an adverse banking decision, particularly when I have a prior relationship with the institution. Access to banking services is essential for receiving direct deposits, paying bills, managing finances, and caring for my family. I am also attempting to assist my elderly parents with their banking needs, and having a reliable account is important for managing financial responsibilities. Therefore, I respectfully request : 1. A complete explanation for the denial of my application. 2. Disclosure of any consumer reporting agency, banking database, or risk-management service used in making the decision. 3. A copy of any adverse-action notice required by federal law. 4. A manual review of my application and reconsideration of the decision. 5. Confirmation that any inaccurate information being used against me is corrected immediately. If the denial is based upon information contained in consumer reports, banking databases, identity-verification systems, or other third-party records, I request all information necessary to dispute any inaccuracies. I am prepared to provide any documentation necessary to verify my identity and eligibility for banking services. Thank you for your prompt attention to this matter. I respectfully request a written response within 30 days. Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: Kikoff Inc.
State: FL

Complaint narrative:
Grant money services pull XXXX XXXX from my account resulting in my account going into the negatives by XXXX XXXX now I dont have money I removed permission from Grant money services llc from my main checking a account and set up a completely different account for them to pull from. this was a unauthorized transaction I need a credit to cover the money taken and fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
AA XXXX XXXX XXXX Account ending in XXXX Your payment is past due. Please make a payment. Hi, XXXX. Your payment is past due on your Citi/AAdvantage Card account. By making your minimum payment within this billing period, you can avoid any unnecessary late fees. You can make a payment immediately on the CitiMobile App, at Citi Online or by calling us at XXXX *. For TTY : We accept XXXX or other XXXX XXXX. Make A Payment Make bill payment simple with AutoPay. When you set up automatic, recurring payments with AutoPay, your payment will be automatically deducted every billing cycle. Just link a checking, money market, or savings account, then pick your monthly payment amount. The best part? You don't have to remember to schedule your monthly payments. Plus, there's no fee for this service, and you can stop or change it any time. Please note there may be a delay when you sign up for AutoPay, so if you need to make a payment, please do so now. Airlines credit card AA This card was canceled on the phone, and the late fee and yearly annual fee were supposed to be refunded, which leaves a XXXX balance. No one WHEN you call is competent, and you just get rude answers and run around. THIS ACCOUNT NEEDS TO BE CLOSED ( BY ME ), AND XXXX BALANCE. Called another time, and they said the balance was XXXX? It's a fraud that Citibank to not refund the annual fee after they would not waive it, and the late fee is not my fault. They did not mail a statement so I did not even know I was charged an annual fee of {$99.00} very deceptive

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 2026-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
they continue to place this on my credit when it is not owed and they have been given all the docs showing the that is not and refuse to produce the documentation that debt is valid. this should be removed from my credit as they have been given more the 90 days and still have provided nothing

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TN

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint regarding Bank of America 's handling of a disputed transaction involving XXXX XXXX XXXX In XXXX 2026, I contacted XXXX XXXX to add my daughter 's new XXXX to my existing mobile plan. Before accepting payment, the representative assured me that her device was compatible and could be activated on their network. Based on those representations, I paid a {$35.00} fee to add the line. After spending approximately XXXX hour on the phone attempting to complete the activation, I was informed that my daughter 's phone could not be added because it was not compatible with their network. As a result, the requested service was never provided. Since no service was rendered, I immediately requested a refund. I was advised by the representative that the {$35.00} would be refunded within XXXX to XXXX business days. The refund was never received. After waiting well beyond the promised timeframe, I filed a dispute with Bank of America. The bank initially issued a temporary credit while investigating the matter. Several months later, Bank of America reversed the credit, claiming that XXXX had provided documentation showing that a service had been provided. This determination is both inaccurate and unreasonable. The very basis of my dispute is that the requested service could not be completed. XXXX itself informed me that my daughter 's phone could not be activated on their network. Therefore, it is impossible that the service I paid for was provided. At most, XXXX may have submitted records showing that I contacted them or attempted activation, but those records do not establish that the purchased service was successfully delivered. I have contacted Bank of America multiple times in an effort to resolve this matter and have received no meaningful assistance. As a customer of more than 15 years with multiple personal accounts and a business account, I am extremely disappointed by the bank 's failure to properly investigate the facts of this dispute. I am requesting that Bank of America conduct a thorough review of this matter, provide me with the evidence relied upon in denying my dispute, and restore the disputed funds. I also request an explanation of how the bank concluded that a service was provided when both the merchant and the circumstances demonstrate that the requested activation was never completed. I believe I have been improperly charged for a service that was never delivered, and I am seeking a fair resolution. I am requesting that Bank of America provide all documentation received from the merchant during the dispute investigation so that I may review the basis for the denial.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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
Consumer complaint received 2026-06-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: WI

Complaint narrative:
I can NEVER get ahold of a real person!!!!! I had to read a forum online to find a different phone number and follow a bunch of word prompts to speak to a person, who was extremely rude as well!!! She said I had to wait a week in order to dispute it.But I don't understand why I was charged an insufficient fee when there was enough funds on the card to pay my bill. It shouldn't be this hard to get ahold of a real person and we shouldn't be treated this way!!!!! I spoke to the rude lady XX/XX/year> at XXXX

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: Block, Inc.
State: AR

Complaint narrative:
So i was selling my prom dress someone wanted to purchase. They stated they were going to there money. So I received an email from XXXX stating someone transferred funds to me. At the time I was driving and I look over to the XXXX app the balance never updated. So I told them I havent received any funds. With that being said I received another email from XXXX stating I can not receive funds due to me having a personal account and I needed business account. Also in that email it stated that the buyer would have to send XXXX for me to be eligible, so the lady kept blowing me up while driving stating that she sent XXXX XXXX sent her email said her account is also going to be locked, so I pulled over from driving reached out to XXXX support and i didnt receive an answer. Then I recieved another email from XXXX stating that I had to send her XXXX dollars on another platform like XXXX or XXXX XXXX because my accounts would be locked if I dont. So Im already frustrated because I was in bad car accident havent been working, lost job due to injuries had bills due that same day I didnt need neither of my accounts locked neither did I want someone thinking their money which I was not because I actually thought this was the bank texting me and they made it seem like they was going to refund my money. So after I havent received anything from XXXX I immediately contacted their chat support through the app and it was still taking long time to connect me with agent I already had sent XXXX through XXXX Pay and sent screenshot to XXXX chat support like the emails stated from XXXX then the agent connected with me and said some of those emails where not their emails. I immediately got extremely mad again and start texting the person back telling them Im reporting them they kept saying I was just trying to buy the dress it is not a scam. I never got a chance to get a police report because I was on the road traveling and I made it home late. I reached out to XXXX XXXX they gave me a website to report it and it gave me a report number. Also XXXX XXXX told me to reach out to cashapp so they can dispute it and refund my money and they should be able to help since my card was lined to cashapp. I filed a dispute with cashapp they denied it then I tried to appeal it, I would say XXXX hours later they appealed it. I really dont understand why they couldnt help me, I dont like stuff like this I wish I had better help with this situation because I dont want this happening to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial repossessed my vehicle and officially changed the Florida title solely into Ally 's name on XX/XX/XXXX, completely removing my name. Later that month, I paid the full past-due amount and fees requested to reinstate my auto loan. Ally accepted my funds, restored my account to good standing, and has successfully accepted my regular monthly payments every month since.However, Ally completely neglected to rescind the digital Affidavit of Repossession with the Florida XXXX. I discovered this in XXXX when the XXXX XXXX Tax Collector denied my registration renewal because the vehicle title has remained solely in Ally 's name since XXXX XXXX have spent months being bounced between Allys customer service, title, redemption, and XXXX escalation XXXX. They claimed they must mail a physical " redemption package '' rather than updating the Florida XXXX electronically, but they have failed to do so. Because of Ally 's administrative negligence, I am legally barred from driving a vehicle that I have been actively paying for since XXXX demand that Ally immediately submit a title correction/rescission to the XXXX XXXX to restore my name to the title as the primary owner, and provide a billing credit for my loss of use of the vehicle.

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