vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my records, I found no evidence connecting me to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate reporting and an improper balance being reported on my Synchrony Bank ( XXXX XXXX XXXX ) account. The account was placed with Synchrony Banks authorized collection agency, XXXX XXXX, XXXX. I reached a settlement agreement through XXXX XXXX and made a payment of {$1200.00} on XX/XX/year>. XXXX XXXX provided documentation confirming the payment was received and that the remaining balance on the account is {$0.00}. This indicates the account has been satisfied through the collection agency acting on behalf of Synchrony Bank. After making this payment, I contacted Synchrony Bank to confirm the account status and request that the balance be updated to {$0.00}. During this communication, I was informed that the issue may be a system error. However, despite this acknowledgment, Synchrony Bank continues to report that I owe an additional balance ( approximately $ XXXX ). I requested that Synchrony Bank : Update the account to reflect a {$0.00} balance Provide documentation supporting why a balance remains after settlement Correct any inaccurate reporting to the credit bureaus Synchrony Bank has failed to provide documentation supporting the remaining balance and has not corrected the account. Reporting a balance after a settlement has been completed through an authorized collection agency is inaccurate and misleading. This is causing harm to my credit profile. I am requesting : Immediate correction of the account balance to {$0.00} Accurate reporting to all credit bureaus Written confirmation that no further balance is owed Cessation of any collection activity on this account I have attached documentation from XXXX XXXX showing payment and a {$0.00} balance as supporting evidence.

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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have several charges on my XXXX account that are not authorized. I spoke to a XXXX agent twice in the chat option about these charges and it wasn't until the third time that a dispute was finally opened. After they opened a dispute, the disputed transaction amounts were not the transactions that I disputed. The amounts are again different. My disputes were denied. These transaction that appear on my XXXX account statement and under my transaction history as completed are not under my transaction history with the merchant. Therefore I did not receive the product that XXXX took money from my account for. I get either ignored by XXXX or their response is completely random and generic. I asked them a direct question and I get a response that is not even close to the question that I asked. I am demanding that XXXX refund my account for the charges that are unauthorized. The charges are XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. And the are XXXX debit transactions that are in my XXXX transaction history for the amount of XXXX they all say complete and have different transaction ID numbers but their should only be one. I have my XXXX statement, paypal statement, and my XXXX statement that shows that they never received these payments from XXXX. XXXX has also authorized my debit purchases and then froze my account saying they covered the charges, leaving my account negative when there was plenty of funds to cover said transactions. Then after several days money appears in my XXXX balance and I have to request that they move those funds to pay for the 'negative " balance when there shouldn't have been one in the first place. One agent I spoke to told me that the merchant had put a double charge on all the transactions I made so I just needed to wait for those to fall off and the money would be credited to my account and I would be able to use my account. I could go on and on with the shady practices of XXXX but I'll leave it at this. I just want my money back that was took out of my account and not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I sent two wire transfers from my XXXX bank ( XXXX ) to my Wise US account with IDENTICAL recipient details : Transfer 1 : {$100.00} on XX/XX/year> ( XXXX : XXXX ) - SUCCESSFUL, processed by Wise Transfer 2 : {$43000.00} on XX/XX/year> ( XXXX : XXXX ) - REJECTED by Wise Both transfers used the exact same recipient information : Account number : XXXX Routing number : XXXX XXXX : XXXX Bank : WISE US INC . Beneficiary : XXXX XXXX I used the successful {$100.00} transfer as a saved template in my bank 's system and only changed the amount to {$43000.00}. It is impossible that I entered different recipient details. Wise rejected the second transfer, and the intermediary bank ( XXXX XXXX ) charged me {$76.00} in fees before returning the funds. COMPLAINT PROCESS WITH WISE : XX/XX/year> : I contacted Wise asking why the transfer was rejected Wise initially told me they had " no record '' of the transfer and claimed the problem was not on their end XX/XX/year> : After escalation, Wise Complaints Officer XXXX XXXX sent a formal response ( Complaint # XXXX ) claiming I had entered " incorrect recipient details by combining account number and routing number into a single field '' XX/XX/year> : I sent documented proof ( bank statements and screenshots ) showing both transfers used identical recipient details XX/XX/year> : Wise acknowledged receiving my evidence but refused to address the factual contradiction, stating only " the error was not on our part '' without explaining why identical details succeeded once but failed the second time Wise closed my complaint as " finalized '' despite not addressing the evidence I provided WHAT I AM SEEKING : Refund of {$76.00} in intermediary bank fees ( caused by Wise 's rejection of properly formatted transfer ) Reimbursement of {$150.00} in bank documentation fees I paid to obtain proof Explanation of why identical recipient details were accepted on XX/XX/XXXX but rejected on XX/XX/XXXX Acknowledgment from Wise that their explanation of " incorrect recipient details '' contradicts their own processing of the first transfer ATTACHMENTS PROVIDED : XXXX statements for both transfers showing identical recipient details Screenshots of transfer interface Official XXXX XXXX rejection message Wise 's complaint response letters characterize by factual inaccuracies ( e.g SSN ) Full XXXX conversation Wise has refused to provide a factual explanation or any compensation despite clear documentary evidence that contradicts their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Reference Original Complaint : XXXX Chase Autos response is unsatisfactory and fails to address the core issues raised in my complaint. Chase is attempting to redirect responsibility entirely to XXXX XXXX XXXX. However, this is a lease agreement, and Chase Auto is the legal titleholder of the vehicle. The vehicle has been out of service for over 60 days following a charging-related incident, during which time XXXX retained possession and did not provide a timely resolution. Only after escalation to the Consumer Financial Protection Bureau and the Arkansas Attorney General did XXXX provide a written response. That response did not determine a root cause, nor did it clearly accept or deny responsibility for the associated property damage. As a result, the underlying issue remains unresolved. XXXX has also taken the position that my residential solar-inverter system may fall under the category of a private power generator as referenced in the owners manual. This interpretation introduces uncertainty regarding acceptable charging conditions and raises concerns about the practical usability of the vehicle at my residence. XXXX has not provided clear, actionable guidance on this issue. Chase Autos position does not resolve the central problem : the leased vehicle has been unavailable for an extended period and remains subject to unresolved questions regarding safe and approved operation. Despite this, Chase continues to require full lease payments. Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a vehicle that is out of service for an extended period may qualify as nonconforming. At minimum, the circumstances raise serious concerns about the vehicles fitness for its intended use. I respectfully request that the CFPB keep this complaint open and continue its review of Chase Autos handling of this matter, including their response to a prolonged loss of use and their refusal to provide any payment accommodation while the issue remains unresolved. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: MA

Complaint narrative:
I am disputing a {$1700.00} charge for a hotel stay from XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, I discovered roaches in my hotel room. I immediately reported this to hotel staff and requested that the room be cleaned. However, the issue was not resolved, and I continued to see roaches. Due to the unsanitary conditions, I was unable to stay in the room and had to sleep in a friend 's room from XXXX XXXX XXXX. I paid for accommodations that were not usable due to health and safety concerns. After my stay, l attempted to resolve the issue through the booking platform ( XXXX ) on XX/XX/year> and XX/XX/year>, but was directed to a third-party booking partner. I then contacted the hotel directly on XX/XX/year>, and my refund request was denied. I filed a dispute with Bank of America around XX/XX/year> ( Claim # XXXX ). I submitted photo evidence of the roaches and documentation of my attempts to resolve the issue. Despite this, Bank of America denied my claim twice, stating insufficient evidence. I was later told my photos were not received, even though I had already submitted them. I resent the evidence via fax as instructed, but the claim was still denied without proper consideration of the documentation. I also filed a complaint with the XXXX Consumer Affairs Commission on XX/XX/year> and provided additional information requested on XX/XX/year>, but have not received a resolution. Bank of America failed to properly review the evidence I submitted and did not conduct a fair investigation of my billing dispute. I am requesting that this matter be reviewed and that my claim be properly reconsidered.

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CULLEN/FROST BANKERS, INC.
State: GA

Complaint narrative:
I was victim of identity theft in 2020, and my information was comprimised, being that my wallet was stolen from my home, all of my personal information and checkbook was comprimised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I am reporting Ally Financial for systemic accounting inaccuracies and deceptive reporting. I identified an unexplained transaction reversal on my account ledger. When I requested an audit trail, Ally claimed that on XX/XX/year>, they debited the dealership for {$540.00}, creating a 'duplicate ' situation. This is factually false ; I have reviewed my records, and no such transaction exists. The {$540.00} refund was issued by check directly from XXXX XXXX XXXX, not the result of a debit by Ally. XXXX XXXX has confirmed they do not issue payments in the manner Ally described, and there is no record of an XX/XX/XXXX debit. Ally Financial is providing factually inaccurate information to explain a clerical error in their internal systems, effectively fabricating transaction dates to justify their mistakes. I have paid the final balance of {$330.00} as of XX/XX/year>, to fully satisfy this debt and close the account. I am submitting this information to provide the CFPB with formal documentation of Allys inaccurate accounting practices and their pattern of providing false information to borrowers to conceal systemic failures. I am not seeking further correspondence or resolution from Allys customer service department, as the debt is settled. I have attached my final payment confirmation and the full email thread documenting these 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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
My USAA Federal Savings Bank account has experienced repeated and ongoing access lockouts beginning XX/XX/XXXX and continuing through XX/XX/XXXX. Additional incidents occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( multiple disable/enable cycles ), XX/XX/XXXX, and XX/XX/XXXX. During several of these events, my account was temporarily restored only to be locked again shortly afterward, creating a recurring cycle of inability to access my funds or use online/mobile banking services. I contacted USAA approximately XXXX times during this period, speaking with both fraud/security representatives and supervisors. I repeatedly reset my login credentials ( username, password, and PIN ) as instructed. Despite these efforts, the issue continued to recur. On XX/XX/XXXX, a USAA supervisor acknowledged that the issue had been mishandled and should not have continued. However, my account was locked again on XX/XX/XXXX. USAA provided inconsistent explanations for the lockouts, including routine transfers, previously resolved returned checks, and login location discrepancies. In some cases, these discrepancies occurred while I was at home or actively speaking with USAA during login attempts. On XX/XX/XXXX, I requested supervisory escalation and clarification regarding an internal special team review referenced by USAA representatives, but was informed that a supervisor callback would not be provided at that time. As a result of the repeated inability to access my account, I opened an account at another financial institution and removed all funds from USAA due to loss of reliability and continued access instability. I also stopped using USAA for direct deposit. Despite multiple escalations and troubleshooting steps, the account access issue has not been permanently resolved.

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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I requested a refund of a credit balance on my Citibank credit card account. Citibank confirmed that the refund would be issued ; however, I have not received the funds and my account still reflects the credit balance. I have contacted customer service multiple times and requested confirmation of the refund processing date, method ( ACH or check ), and timeline. This information has not been clearly provided. I am requesting immediate processing of my credit balance refund and written confirmation of when and how the refund will be delivered. The delay is unreasonable given that the refund was already stated as 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 explanation
Consumer complaint received 2026-05-05 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Beginning in or around XX/XX/year>, I was charged monthly service fees on my checking account. The initial fee appeared to be {$10.00}, and later increased to {$15.00} per month. The total fees charged since that time are approximately {$85.00}. I was not clearly informed of why the fee amount changed or what account requirement triggered these charges. I did not receive clear and effective advance notice of any change in fees or account terms. The only notice appears to have been placed at the bottom of a monthly statement, which was not clear or conspicuous and was presented in a way that a reasonable consumer would not notice. I did not receive any separate communication such as an email, alert, or prominent notification explaining either the initial fee or the later increase. Because of this, I was not given a fair opportunity to understand the fees, adjust my account, or avoid the charges. I am requesting : - A full refund of all fees charged since XX/XX/year> ( approximately {$85.00} ) - A clear explanation of why the fees were charged and why the amount increased from {$10.00} to {$15.00} - Documentation showing when and how notice of these charges and changes was provided

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
XXXX ( XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX employees have purposefully kept a hold on my account while {$2100.00} exists in the account. We had to dispute two checks written ( one cashed and one entered as an ACH ) which required the branch to dispute the charge and THEN deposit the money and two overdraft chargers that werent supposed to be triggered were manually deposited to my account ; the bank teller or relationship manager PURPOSEFULLY left it locked. Todays the XXXX of XXXX and this issue has been unresolved since XX/XX/XXXX when the two checks cashed. Ive tried calling 8 different times to XXXX, XXXX, and XXXX XXXX branches, only XXXX XXXX has been helpful. XXXX specifically then said this morning after the account was supposed to be unlocked on both Friday XXXX XXXX and on XX/XX/year>, yesterday. On Saturday the XXXX I had an hour long convo with customer service who explained that the process they use and the one that was followed by XXXX are XXXX seperate things entirely, and a report was made to have been followed up and had the account opened yesterday XX/XX/XXXX, and no follow up. This morning on the XXXX, I called XXXX to lift the lock on the account, there are no more issues besides it being locked, and the woman told me she was initiating a closing of my account : My account disputes were resolved and funds credited, but my account remains restricted and appears to be moving toward closure without my authorization. No one directed anyone to close the account, there was no fraud or back office issues besides their own daily processes, and they are PURPOSEFULLY holding my account XXXX right now. Ive missed payments for rent, my car, car insurance, utilities, health insurance, and daily items like food and water and gas. All of these are because of these actions from this branch and bank.

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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
My daughter 's teen XXXX debit card was charged 4 times on XX/XX/XXXX. The charges were made in the middle of the school day while she was at school and had the card in her possession. The amount is XXXX at 4 different physical XXXX stores in a short period of time, apparently " in-person '' purchases. These purchases were not made by me nor my daughter, they are clearly fraudulent. We opened a dispute with XXXX, and they credited us for 1 of the transactions but not all. They claim we swiped the card at the various stores and asked us to provide them with " proof '' the purchases were not ours. I asked, what type of " proof '' would fulfill this requirement ( since we didn't purchase anything )? They were unable to say what would be sufficient. I called back after being declined the additional {$300.00} in credit. I was told there is not a further way to dispute the denial. I find this unacceptable. It's clearly fraud and for a minor 's account, this is very disturbing. I think XXXX is being predatory with their " teen debit '' card and not following normal protocol for protecting purchases that would be expected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been scammed with a lot of psychics well I dont even know anymore if they were but they took advantage of me. They put my life in risk. Ive been feeling scared more than before, my money cant be returned .. they took it all away I spoke to Wells Fargo customer service on Saturday XX/XX/XXXX and explained what has happened to me. Than Today on Tuesday XX/XX/XXXX. I received a call that my claims of transaction are denied

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