vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am filing this complaint regarding an unauthorized transaction and what I believe to be fraudulent billing practices by XXXX XXXX XXXX. 

On XX/XX/year>, an ACH transaction for {$340.00} from XXXX XXXX XXXX posted to my bank account. I did not authorize this transaction, have never done business with this company, and have never requested or received any services from them. 

I contacted JPMorgan Chase Bank , N.A . multiple times regarding this unauthorized charge, including in person, by phone, and through the Federal Consumer Response process. Despite these efforts and despite my clear denial of authorization, Chase has refused to refund my money. 

Through my own open-source research, I discovered that XXXX Holdings XXXX XXXX XXXX be affiliated with the website XXXX  : XXXX, based on the sites terms and privacy disclosures. The service advertised on that website is priced at {$340.00}, which matches the unauthorized charge. However, I have never visited this site, never used its services, and have no email, receipt, or confirmation from XXXX XXXX XXXX or XXXX I have searched all email accounts under my control and found no communication. 

Any information XXXX XXXX XXXX XXXX have provided to Chase claiming authorization is false. I did not authorize this transaction. If the company believes otherwise, it should be able to demonstrate legitimate authorization through objective evidence such as IP address, device data, or a verifiable electronic authorization record. No such evidence has been provided to me. 

When I attempted to contact XXXX XXXX XXXX directly, the listed phone number did not function or did not provide live support, and I was directed to email only. I am unwilling to provide additional personal information to this company to prove that I did not do business with them. 

Based on the lack of authorization, the inability to contact the company through normal customer-service channels, and the submission of false or unsupported claims of authorization, XXXXXXXX XXXX XXXX XXXX XXXX be engaging in deceptive or fraudulent billing practices. 

I am requesting that this matter be reviewed by Consumer Protection authorities and that appropriate action be taken regarding XXXX XXXX XXXX. 

I filed a CFPB with Chase that is now closed, that complaint ID is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
XX/XX/XXXX Attempted to deposit {$890.00} cash into my XXXX checking account, using a XXXX owned ATM, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX. All cash eaten at third attempt. 
XX/XX/XXXX talked with bank tellers at XXXX physical branch associated with ATM, they filed a complaint with corporate about the ATM, said maybe I needed to also complain to XXXX. 
XX/XX/XXXX XXXX tellers told me I needed to file dispute with XXXX, they couldnt help me. Called XXXX and filed a dispute. 
XX/XX/XXXX XXXX responds to ATM Kiosk Dispute We dont have any record of the deposit attempt ; therefore, were unable to further assist with the deposit dispute XX/XX/XXXX Talked with XXXX XXXX then talked with XXXX XXXX them to reopen dispute XX/XX/XXXX XXXX XXXX me a Response to Request for Documentation After reviewing all internal records and relevant information for the dispute, XXXX does not have dispute rights on non-XXXX  XXXX terminals XX/XX/XXXX XXXX way call with XXXX and XXXX XXXX ways that XXXX XXXX to file dispute for money to be sent to my account. 
XX/XX/XXXX XXXX letter Debit Card Dispute Settled XXXX is unable to further assists on this deposit made at external bank 's ATM DXX/XX/XXXX called XXXX. They are unable to take care of this dispute internally, the only way to resolve was through XXXX and they said they didnt have any relevant documents for me to submit to CFPB. So called CFPB. CFPB said I could complain about both banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: IL

Complaint narrative:
This account does not belong to me and has been incorrectly reported on my credit file ; the information shown is inaccurate and should be corrected.

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
ProductChecking account IssuePromotional bonus not received CompanyWells Fargo Bank I opened a new Wells Fargo checking account in XX/XX/year> through an official promotional offer that promised a {$320.00} new account bonus. 

I completed all required qualifying steps, including meeting the direct deposit requirements within the required timeframe, and I maintained the account in good standing. 

After multiple contacts with Wells Fargo, I was verbally informed that the bonus would not be issued and that the case was closed. I disagreed with this outcome and requested the case to be reopened, and Wells Fargo provided me with a case number and stated that I would receive a response within one week. 

However, to date, no written explanation or documentation has been provided explaining which specific promotional requirement was allegedly not met. 

This promotion influenced my decision to open the account, and failure to honor it constitutes a misleading promotional practice I am requesting that Wells Fargo honor the promotional offer immediately, or provide a formal written explanation with supporting evidence for denying the bonus.

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had a Bank of America credit card with a zero balance transfer. I made another purchase with the card on XXXX XX/XX/year> and asked how long I had to pay the balance. Bank of America told me today ( XXXX XX/XX/XXXX ) that I was being charged a daily rate because the promotional apr expired on XXXX XX/XX/XXXX. Bank of America wants me to pay the balance now and then if I have any interest charges I'm to let them know next month and they will see if I get reimbursed. I was never told I would get a daily charge on this card and I wanted to see if I could transfer the charges to a normal XXXX revolving credit card. I was told no I couldn't do that. I still have a zero percent balance transfer with this card but told Bank of America I'm going to cancel this card once it was paid off. I've been with Bank of America for 42 years and this is how they treat their clients. They have no excuses for why they do it this way, but state it's their policy.

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 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I received a call and requested an email of my account and never received it. I later called XXXX and they sent me a copy. It was not all the correct dates that was needed. Below you will see XXXX accounts XXXX which had XXXX users XXXX XXXX and XXXX XXXX which was authorized to use. XXXX XXXX died on XX/XX/XXXX and was not able to give anyone authorization to do anything from XX/XX/XXXX until death. On XXXX or XX/XX/XXXX this account had an unauthorized online change made to the account. On XX/XX/XXXX I moved XXXX out of the account due to fraud, notified the local branch manager which verified and opened account XXXX with only my name on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: NC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is # 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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NV

Complaint narrative:
XXXX They want me to repay the borrow limit but my account is closed so how am I going to continue to make payments on the borrow limit when I can add money on my account or access it. They close my account but won't tell me what I did wrong I tell them I got proof and evidence that they are wrong and that I did nothing wrong. They won't even educate me on they terms and policies. I don't get it I did everything I'm allowed to do and they still close my account for something I'm allowed to do on they platforms. I'm a business man so I do business man transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hi, I have a dispute pending with my bank against PayPal, due to someone with able to get into my bank account and pull it out and put it in the PayPal, they used multiple transactions all the way app to almost {$400.00} transactions at a time, they took a total of well over {$3000.00} from me. I went ahead and appealed it and appealed it through PayPal, and both times within like 2 days, it came back as Case closed, instead of fully properly investigating, they went ahead and just closed and dismissed my case even though I didn't make the charges, they are currently trying to have me pay for those charges so I went ahead and disputed with my bank, my bank also told me to contact you guys as well because I can no longer talk to PayPal, because they are refusing me of my rights to try to get my money back. These transactions started all the way back in XXXX and XXXX of this year so as I'm trying to dispute it PayPal, went ahead, said, well, we'll go ahead and appeal it appeal it multiple times and disputed it several different ways, because they kept marking it down the incorrect way. Apparently, somebody used tiktok to abuse my bank account, in which they transferred funds illegally over the paypal and in paypal allowed them to take my money.Now I'm trying to get my refund and PayPal is claiming they can't get involved because my bank is involved. My bank states they should have issued the refunds and that I should not have had to appeal it multiple times. PayPal is also giving my bank issues instead of just refunding my money back. There were tons of multiple transactions that were unauthorized. I had to take precautions with my bank and get brand new cards. Because the transactions kept occurring even as I was disputing it with my bank on the phone transactions were occurring, so my bank shut them down very quickly and closed up that card so that they could not keep pulling. But I have my bank was on the phone to transaction.We 're still trying to get through.So my bank is also trained their best to get through to PayPal to try to handle these, but it's hard to get ahold of PayPal at this point.Because they're not getting in touch with my bank and they're having issues with me getting in touch with them as well.So I wanted to see it's going through you guys if it would be a lot easier to get in contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I am submitting this complaint against TD Bank regarding improper billing practices, lack of accurate communication, and unjust interest charges related to a retail financing account for a sofa purchase held in the name of my husband, XXXX XXXX. 

My husband consistently made timely payments on this account. However, TD Bank repeatedly sent billing statements on the same day the payment was due. This practice made it impossible to pay on time and directly resulted in TD Bank assessing late fees and interest charges. We did not receive advance notice of amounts due. 

TD Bank representatives later claimed that billing notices were sent via email. This claim is false. There is no email address on file for this account, which we confirmed during phone conversations with TD Bank. As such, TD Bank could not have contacted us through email, and no proof of such communication has been provided. 

In XXXX, the amount due on the account was {$1800.00}. When we finally received a statement in XXXX, we were informed that the balance had increased to {$2600.00} due to interest and fees. These charges were not the result of missed payments, but rather TD Banks failure to provide timely and accurate billing statements. 

When we contacted TD Bank to dispute these charges, representatives refused to assist us, insisted the balance was correct, and stated that additional charges might be added in future months. They could not provide a clear or definitive payoff amount. This lack of transparency created financial uncertainty and distress. 

As a result of TD Banks billing failures and misleading communication, we were forced to pay approximately {$1000.00} more than was originally owed. These charges are unjustified and caused direct financial harm. We can not afford additional fees resulting from TD Banks administrative and communication failures. 

I am requesting CFPB assistance to : - Require TD Bank to review this account - Refund all interest and fees caused by delayed or improper billing - Ensure no further charges are added - Refund a total of {$800.00} at minimum for the difference of XXXX to XXXX. 

TD Banks actions reflect a lack of transparency, inaccurate communication, and unfair billing practices that warrant regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: Kashable LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I had received a loan through XXXX to which would be withdrawn from my paycheck. It was a {$6000.00} loan with an interest rate of 16.44 % monthly, ( 22.35 % APR ). On XX/XX/XXXX i received an optimistic email stating to refinance rates with " low fixed rates ''. Because my girlfriend began XXXX and i had large daycare bills, more cash at a better rate seemed like a win-win. I was provided a {$6000.00} loan, which would pay off the remainder of my initial loan ( {$3400.00} ), a {$200.00} refinance fee, but increased my interest rate to 23.59 % monthly ( 29.18 % APR ). As a XXXX XXXX  receiving this services through XXXX program, i assumed it would be a legit business and was not aware of laws in regulations. I believe this was a predatory action and a clear example of loan flipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime offers " XXXX '' for their checking account members, which is a payday advance type program. I haven't used XXXX since XXXX of XXXX. On XX/XX/XXXX, nine months later, after multiple more deposits and transactions, and without any notice, they deducted the repayment of {$130.00} plus {$6.00} " advance fee '', which was the exact amount of the deposit I made the same day. I called them and was unable to get the amount reversed. On XX/XX/XXXX, I then received a MyPay repayment reversal of {$130.00}, plus {$6.00} advanced fee repayment and a {$7.00} " courtesy credit ''. Finally, today, XX/XX/XXXX, I deposited {$120.00} and immediately {$120.00} was taken out for a XXXX  repayment, plus {$6.00} advance fee. 

They took out the repayment 9 months after the initial payday loan, refunded the repayment 3 months later, then took it again 3 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
I am filing a complaint against Comenity Capital Bank regarding a XXXX XXXX credit card account. This was my first time using the card. I paid the original purchase balance of {$56.00} in full on XX/XX/year> after being XXXX to XXXX days late, my first late payment. I contacted Comenity immediately and requested a courtesy late fee waiver. 

Comenity applied only a partial late-fee credit of {$15.00} on XX/XX/year> without clearly notifying me that a balance remained. No purchases or new charges were made after the original payment. All subsequent balances resulted solely from late fees and interest on a fee-only balance. 

Because I reasonably believed the issue had been resolved, additional late fees accrued without my knowledge, eventually leading to account closure and negative credit reporting despite no unpaid purchase balance ever existing. 

I made multiple attempts to resolve this directly with Comenity, including escalation, and was denied goodwill adjustment. I am requesting reversal of all fees and interest assessed after the original balance was paid, correction or removal of negative credit reporting related to this fee-only balance, and confirmation that the account reflects accurate, fair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: GA

Complaint narrative:
NATIONAL RECOVERY AGEN is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL RECOVERY AGEN is a debt collector. They are falsely reporting on my credit!! Account number is 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 2025-12-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC
State: FL

Complaint narrative:
I have never applied for a student loan i dont even have a high school diploma to qualify for a student loan i asled this company to remove the debt attached to my credit profile because its not my debt im a XXXX XXXX XXXX XXXX which began in XXXX  which a police report was mad round that time i do believe my identity is still being used because of debt collection popping up onto my credit that i have no knowledge ment of

Company response to consumer: Closed with explanation