vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Two of the 6 screenshots : showing where the ATM was in specific One of the 6 screenshots : showing the general story ( make and model of car, ATM, how much was deposited ) Two of the 6 : one shows my bank statement other one shows an explanation about the bank statement and how the XXXX is missing Final screenshot shows the ATM receipt that I received after it took my money and didnt credit my account. ( SAME COMPLAININT AS PREVIOUS TIME, JUST NEED TO SELECT N.A.THIS TIME SO BOTH PARTIES GET MY COMPLAININT ). On XX/XX/year>, at approximately XXXX XXXX local time, I attempted to deposit {$300.00} cash ( XXXX {$100.00} bills ) into a Chase drive-through ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I used the left-side ATM of the two available ATMs at that location ( one was at the very left, then one was at the very right, as seen in photos attached I circled where exavtly the ATM I used that didnt credit my XXXX dollars is ). The ATM accepted all three {$100.00} bills but did not credit my account. Instead, the screen displayed an error message instructing me to call Chase to confirm whether the deposit was successful. The screen then turned red and prompted me to take my card and receipt. The ATM did not return any of the cash that was deposited. I received a receipt showing the transaction date and time, ATM location, Terminal ID XXXX, and Sequence Number XXXX. I have attached a copy of that receipt. The {$300.00} deposit does not appear anywhere in my account transaction history. I subsequently deposited {$1000.00} cash at a different Chase ATM, and that deposit was successfully credited to my account. This demonstrates that my account and debit card were functioning properly and able to receive cash deposits. The issue appears to be specific to the ATM transaction described above. I contacted Chase and reported the incident. A claim has been opened and I was provided with a claim number. I am requesting that Chase review the ATM transaction logs, electronic journal records, cash balancing records, and any available security footage relating to this transaction. The ATM retained my {$300.00} but did not credit my account. I am seeking credit for the missing {$300.00} and a written explanation of the results of Chases investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Airtm Inc.

Complaint narrative:
I am filing a formal complaint against Airtm, a peer-to-peer ( XXXX ) money service business, for willful blindness to fraud, concealment of evidence, and facilitating unjust enrichment on their platform. On XX/XX/2026, I engaged in a {$970.00} transaction with XXXX. Due to a language barrier ( I communicated in XXXX, he in XXXX ), a critical miscommunication occurred. As a non-US citizen, I can not hold a native XXXX account. I explicitly instructed the sender to route the funds to a specific, registered XXXX phone number belonging to a trusted associate. Ignoring these instructions, the sender routed the funds to my unregistered email address ( XXXX ). I received an automated email from XXXX stating the funds were " floating '' and I had until XX/XX/2026, to register to claim them. Unaware that XXXX completely restricts non-US citizens from registering and acting in good faith upon seeing XXXX 's email prompt, I prematurely clicked " Confirm Receipt '' on the Airtm platform. I subsequently discovered I could not register. After contacting XXXX support, I eventually had my XXXX associate register my email to her existing XXXX profile XXXX We successfully completed this on XX/XX/2026. However, upon registration, XXXX 's system officially notified us that the XXXX window had expired and the {$970.00} had already been refunded directly to the sender 's XXXX XXXX account XXXX When I raised this dispute, the sender denied receiving the refund and flatly refused to provide unredacted bank statements for the dates following XX/XX/XXXX. Despite me providing Airtm 's mediation team with the definitive proof of the XX/XX/XXXX XXXX reversal, Airtm ruled in favor of the sender. They weaponized my premature UI confirmation to ignore the empirical banking reality, allowing the sender to keep both the Airtm escrow funds and the refunded {$970.00}. Furthermore, Airtm claimed the sender privately provided video evidence, but they explicitly refused to allow me to audit it, concealing the evidence used to close my case. Working professionally as a XXXX XXXX, XXXX, and XXXX XXXX, I recognize this as a severe failure of basic fiduciary duty. Airtm is using its Terms of XXXX to shield a bad actor. I request the CFPB compel Airtm to review the external banking evidence, audit the concealed video for ledger manipulation around the XX/XX/XXXX refund date, and restore my {$970.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have a chase freedom card with chase. I can never do a dispute online, makes me call into someone every time. I have to take XXXX minutes of my time even if it's a {$2.00} dispute. Second issue is that when I call it has a voice verification to get you verified. If I perform the boys verification, I still get a live person that won't say ask me more questions. So here again, i'm getting my time wasted by getting verified more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX local time, I attempted to deposit {$300.00} cash ( three {$100.00} bills ) into a Chase drive-through ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I used the left-side ATM of the two available ATMs at that location ( one was at the very left, then one was at the very right, as seen in photos attached I circled where exavtly the ATM I used that didnt credit my XXXX dollars is ). The ATM accepted all three {$100.00} bills but did not credit my account. Instead, the screen displayed an error message instructing me to call Chase to confirm whether the deposit was successful. The screen then turned red and prompted me to take my card and receipt. The ATM did not return any of the cash that was deposited. I received a receipt showing the transaction date and time, ATM location, Terminal ID XXXX, and Sequence Number XXXX. I have attached a copy of that receipt. The {$300.00} deposit does not appear anywhere in my account transaction history. I subsequently deposited {$1000.00} cash at a different Chase ATM, and that deposit was successfully credited to my account. This demonstrates that my account and debit card were functioning properly and able to receive cash deposits. The issue appears to be specific to the ATM transaction described above. I contacted Chase and reported the incident. A claim has been opened and I was provided with a claim number. I am requesting that Chase review the ATM transaction logs, electronic journal records, cash balancing records, and any available security footage relating to this transaction. The ATM retained my {$300.00} but did not credit my account. I am seeking credit for the missing {$300.00} and a written explanation of the results of Chases investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: FL

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX 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 XXXX Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) XXXX $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) XXXX $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: WA

Complaint narrative:
I am submitting this complaint regarding the handling of a debit card dispute by KeyBank. I authorized a transaction for a salon service totaling approximately {$87.00}, which included a XXXX XXXX and an XXXX XXXX. After the appointment, I believed the XXXX XXXX service was incomplete because a significant amount of hair remained in areas that were supposed to have been included in the service. I also experienced skin irritation following the appointment. I initially disputed the transaction with KeyBank. My position was not that the transaction was unauthorized or fraudulent. Rather, my concern was that the service was incomplete and not fully rendered as agreed. The dispute was denied. I then contacted KeyBank and requested reevaluation because I believed the dispute had been categorized incorrectly. I explained multiple times that my concern involved incomplete services rendered rather than simple dissatisfaction with service quality. KeyBank reopened the dispute for review on or about XX/XX/year>. During the reevaluation process, I submitted additional documentation, including communications from the merchant and other supporting information. Despite my clarification and supporting documentation, I was later informed that the dispute was denied as a quality-of-service issue. My concern is that the dispute continued to be treated as a quality-of-service complaint even after I requested reevaluation and explained that my dispute involved incomplete services rendered. I am requesting that KeyBank review whether the dispute was properly categorized and investigated based on the information I provided. I attempted to work directly with KeyBank, submitted requested documentation, and participated in the reevaluation process before filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Recently, I was informed that my Barclays XXXX Account has been unilaterally closed by the bank. However, Barclays is currently holding my remaining balance of approximately {$7600.00}. When I contacted Barclays customer service regarding the return of my funds, they refused to provide any clear timeline for when my money would be disbursed. I explicitly informed the representative that my previously linked external bank account is already closed and can not receive any incoming transfers. Despite this, Barclays has not provided a clear alternative solution for returning my funds. It is completely unacceptable for a financial institution to close a customer 's account and indefinitely hold their {$7600.00} without providing a guaranteed timeline. Attempting to send my funds to my closed external account will only cause the transfer to bounce and create further severe delays.

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 2026-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: TX

Complaint narrative:
am writing to formally dispute an unauthorized debit card charge of {$19.00} processed against my personal checking account ( card ending in XXXX ). I have never been a MoneyLion customer, account holder, borrower, or affiliate. The charge appears to be linked to an account fraudulently opened in my wife 's name. She has been disputing for 8 months now, now this. My checking account is solely owned by me ; my wife has no ownership interest in this account, and her name is not associated with it. Your companys policies require that payment methods belong to the account holder. Despite this, MoneyLion accepted, retained, and utilized my banking information without my authorization. To be clear : - I never authorized MoneyLion to store or charge my debit card. - I have no agreement or association with MoneyLion or the account in question. - The debit card and associated account are held exclusively in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
OK, so basically a guy from my hometown sells cars but he relocated to North Carolina and I thought that I could trust that Ill get my vehicle so I sent him {$3200.00}. When I noticed I never got the vehicle. I disputed the payments with Cash app and I filled the police report. I gave Cash App all necessary, screenshots and documentation to back up my fraud claim so cash app decided that, even though it went to the same seller, even though its the same police report, the money got sent to the same cash. The screenshot shows that the seller gave me the cash app to send him. The screenshot also provides the details of me asking the seller can I have my money back or can you send the vehicle and he never did either so I disputed it with cash app m. cash app took it upon themselves to give me the {$250.00} back but lied and said they cant prove that the XXXX was fraud, when all the money was for the same situation and I provided that to them and I keep reopen the dispute case and they keep denying it keep denying it keep denying it and I really need my money and I feel like arent doing their job probably because if youre gon na deny one transaction, you shouldve just denied both. You cant say that you could prove that the XXXX was Shown as fraud but you cant prove that the XXXX was fraud when I sent the XXXX so that shouldve been approved and the XXXX should have been denied but cash app is scamming me now. And everyone I talk to never have any information for me when I asked to speak to Management that Can actually help me they never give me the right department every time I ask for the company to email me so we can get an understanding they never do that so I hope this will help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this formal complaint regarding multiple XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX accounts appearing on my credit reports maintained by Experian , Equifax, and TransUnion. Upon review, I have identified inconsistencies, inaccuracies, and potentially unverifiable information concerning account balances, open dates, last activity dates, and reported delinquencies. Specifically, several accounts show extensive late payments, some of which appear to be duplicated across reporting agencies or tied incorrectly to my credit files, raising concerns about the accuracy, completeness, and proper association of this data with my identity. The accounts in question include, but are not limited to, XXXX XXXX account ending in XXXX with a reported balance of {$25000.00}, XXXX XXXX account ending in XXXX with a reported balance of {$26000.00}, and XXXX XXXX account reported with a balance of {$390.00}, opened on XX/XX/XXXX or XX/XX/XXXX, showing repeated late payments of 30, 60, 90, 120, and 150 days spanning XX/XX/XXXX through XX/XX/XXXX. Additionally, XXXX XXXX XXXX XXXX account ending XXXX is reported with a balance of {$26000.00} and appears to be tied to other XXXX accounts, potentially resulting in duplicative or conflated reporting. These discrepancies necessitate a full verification of each accounts payment history, open and last activity dates, and the legitimacy of reported delinquencies. These reporting issues appear to violate the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy ; 15 U.S.C. 1681i, which mandates reasonable reinvestigation of disputed information upon notice of dispute ; and 15 U.S.C. 1681s-2, which obligates furnishers to provide accurate and complete information and to correct any inaccuracies once identified.

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