vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 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: CA

Complaint narrative:
On XX/XX/XXXX, I was charged {$170.00} on my Chase Debit card by XXXX XXXX. I did not authorize this charge, so I filed a dispute with Chase on XX/XX/XXXX. My debit card was closed as told by Chase claims and a new debit card was mailed to me causing declining autopayments. The surprise {$170.00} charge intercepted autopay and doctor appointments. The merchant XXXX created a receipt and charged my Chase debit card without my knowledge. Anybody can take your information and create a receipt. On XX/XX/XXXX, I received a letter from Chase that the credit from the dispute was reversed. I reached out to Chase Claims to follow up on the credit reversal. I was told by XXXX - Claims supervisor that XXXX sent Chase documents that showed my personal information and that I received a service from XXXX on XX/XX/XXXX. I was asked for my phone number since the phone I gave matched the one that XXXX had, I was told that the transaction/charge was valid. I asked for the documents from the merchant, I was first told by the XXXX claims representative that I spoke to that after he checked to see if the documents could be emailed that they will be emailed to me in 10 days. I asked to speak to a supervisor to get more information regarding this claim. I followed up with XXXX regarding emailing me the documents, she said " no '' they Chase can not email me the documents - I have to get the documents mailed to me. I asked to provide her an address where I will get the documents faster. XXXX said " no '' I can only update my address or request my documents be sent to a particular address through Chase customer service. Then XXXX went on to demand that I verify my current address which had nothing to do with the matter at hand. I was told that I had to show proof that I did not go to XXXX on XX/XX/XXXX, or receive a service on that date. This makes no sense. XXXX was very rude and argumentative. She told me there is nothing she can do for me regarding this claim. I did not go to XXXX on XX/XX/XXXX or XX/XX/XXXX, or receive a product or service on these dates. I did not receive any notification from XXXX that my Chase debit card would be charged {$170.00}. I also did not receive any communication from XXXX leading up to this charge or after the charge was made to my Chase debit card. I did not authorize XXXX to charge my Chase debit card {$170.00}. I did not sign a receipt and I was not present when the charge was made. Also, Chase failed to properly activate the new debit card they sent me. I activated the new Chase debit card at Chase bank but it was not activated 100 %. My current Chase debit card can only be used for certain transactions - not all applicable transactions can be processed with this Debit card. I desire the {$170.00} returned to my card permanently and my new Chase debit card fixed so that it is 100 % functional. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: NY

Complaint narrative:
On XX/XX/year>, I paid a {$1000.00} insurance deductible to XXXX XXXX XXXX XXXX for vehicle repairs. The merchant performed the repairs so negligently that they caused over {$6000.00} in additional property damage and failed to complete the original work. I also had to bring the vehicle to XXXX XXXX XXXX and pay them additional money to finally get our vehicle to stop leaking. I successfully sued the merchant in XXXX XXXX XXXX ( Case # XXXX ). On XX/XX/year>, a judge issued a {$5000.00} judgment in my favor ( the court 's maximum jurisdictional limit ) based on the merchant 's negligence. Additionally, an independent investigation by the XXXX XXXX confirmed the merchants negligence and issued a finding against them. I asserted my " Claims and Defenses '' rights under the Fair Credit Billing Act ( 12 CFR 1026.12 ( c ) ) with Chase. However, Chase has engaged in inconsistent " yo-yo '' billing : they initially credited the full {$1000.00}, then partially reversed it, and most recently re-billed the remaining {$410.00} without notice. The Chase Executive Office has issued a final denial, stating they chose to believe a verbal statement from the merchant over the written Judicial Order and State Regulatory finding I provided. I am being forced to pay for a service that a court of law has already ruled was a material breach of contract and a negligent act. I am requesting that Chase be compelled to honor the courts finding and permanently credit the {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: Chime Financial Inc
State: FL

Complaint narrative:
I am filing a complaint against Chime regarding their handling of an unauthorized transaction dispute totaling approximately {$780.00}. I reported this transaction as unauthorized and provided evidence to support my claim. Most importantly, I have written confirmation from the merchant involved stating that : * They have never conducted business with me * They do not have any of my information on file This clearly demonstrates that the charge is fraudulent. Despite this, Chime denied my dispute and closed the case without properly addressing or acknowledging this critical evidence. They have also failed to provide sufficient documentation explaining the basis of their denial. I believe this is a failure to conduct a reasonable investigation as required under the Electronic Fund Transfer Act ( Regulation E ). I am requesting : * A full reinvestigation of this claim * A refund of the unauthorized transaction * Copies of all documentation used to deny my dispute I am seeking immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My Bank of America accounts are currently blocked, and I have not been given a clear written explanation or a reasonable solution. I need immediate access to my funds or a written explanation stating the legal reason for the block, what documents are required, and when my funds will be released. This matter may be connected to identity theft and fraud activity. I have supporting documents, including my identification, proof of address, Bank of America letters, and identity theft documentation if needed. I have attempted to resolve this with Bank of America, but I still do not have clear access to my accounts or my money. This is causing serious financial hardship because I need access to my funds for personal and business expenses.

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 2026-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I opened an account but could not verify identity as I was traveling and had lost passport and valid texas drivers license, so I requested account closure. XXXX XXXX charges a {$75.00} annual fee and when I closed the account, the customer service rep specifically stated that any charges or fees would be redunded to the card as it had never been used. I didnt think about it anymore and then over a month later I am getting calls for past due balance and was even charged interest and a late payment fee on a card I never used or activated. After 3 months of disputes, and continued harassment, XXXX XXXX acknowledged the error and refunded the {$75.00} fee, late fees charged, and accrued interest. However, they continue to report a 'late payment ' to TransUnion for a debt they have admitted was invalid by crediting the account. I have statements showing what the charge was, the late fees and interest and the adjustment of the amouny to the balance, zeroing it out.

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 2026-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: VA

Complaint narrative:
I am submitting this complaint regarding a student loan account that was reported as 90/120 days delinquent without any prior notification. I was never informed that my loans had entered repayment, nor did I receive any billing statements, payment due notices, or communication indicating that a payment was required. The first notification I received was that my account was already 90/120 days past due. Immediately upon becoming aware of the issue, I made the required payment and have remained current on all payments since that time. To my knowledge, my loan servicer failed to provide proper notification of : * My repayment start date * Any payment due dates * Any missed payment warnings prior to reporting delinquency This lack of communication prevented me from making timely payments and directly resulted in damage to my credit. I am requesting the following : 1. Removal of the 90/120 day delinquency from my credit reports 2. A review of my account for any servicing errors or communication failures 3. Documentation showing when and how I was notified of my repayment obligations If the servicer can not provide proof of proper notification, I request that this delinquency be corrected as it was not the result of willful nonpayment. I have acted in good faith by immediately resolving the issue once I became aware and maintaining a perfect payment history since. Thank you for your attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Bridge IT, Inc.
State: MN

Complaint narrative:
I had previously used the Brigit app after sighting up to get a quick lone I had to subscribe I did for {$8.00} subscription was then charged {$14.00} had a hard time canceling couldnt get ahold of anyone it showed that next month Ill be charged XXXX even after trying to cancel but Im still being charged {$14.00} I cant unsubscribe this has caused my bank account to be overdraft causing fees i dont have and cant pay at the moment casing me to have to ask to borrow money hoping i havent already been charged an overdraft fee

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I contacted affirm in XXXX of 2025 to locate where some of my money had been stolen from accounts. They didn't take very much information from me and then returned the money illegally back to financial accounts I had been advised were closed. I am expecting all of the fraud refund money back and for it to be sent to a federal courthouse of XXXX California USA, so I can claim the money myself, as I am XXXX XXXX social security ending XXXX, XXXX XXXX. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. Inactive modal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: FL

Complaint narrative:
I am filing a complaint regarding Wells Fargos handling of disputes related to charges by XXXX XXXX XXXX XXXX. There are two separate issues : First, I was charged approximately {$8500.00} for a scheduled medical procedure. Two days before the procedure, I was notified that the physician was unavailable and that the appointment would need to be rescheduled. I did not agree to any changes and cancelled immediately. No services were ever performed. Despite this, the merchant refused to issue a refund. I disputed this with Wells Fargo as services not received, but my claim was denied based on the merchant stating I could reschedule. I did not consent to rescheduling, and the agreed-upon service was never provided. Second, an additional charge of approximately {$3500.00} was taken without my authorization. I did not approve or consent to this charge they said they would just keep a card on file not charge my card multiple times, they manually run it. I attempted multiple times to resolve this directly with the merchant, including requesting a refund and clarification, but have not received a proper resolution now they are ignoring me. I am concerned that Wells Fargo did not properly evaluate the dispute, including failing to consider that : No services were performed for XXXX. I did not authorize the additional {$3500.00} charge I am requesting that Wells Fargo conduct a full and proper investigation into both transactions and reverse the charges accordingly.

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 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Date : XX/XX/year> Dear XXXX XXXX XXXX, I am writing to formally demand resolution regarding a serious incident that occurred at your branch on XX/XX/year>. On that date, I visited a Chase branch to cash XXXX money orders : one in the amount of {$650.00} issued by XXXX and another in the amount of {$150.00} issued by Chase. I clearly instructed the teller ( identified as XXXX ) to cash both money orders. Contrary to my explicit instructions, the teller deposited the money orders into my account and withdrew {$800.00} from my existing checking balance. I initially left the branch believing my request had been properly executed. However, upon reviewing my account shortly thereafter, I discovered the error and promptly returned to the branch seeking correction and to speak with a manager. Instead of receiving assistance, I was physically escorted out of the bank, which was both inappropriate and distressing given that I was attempting to resolve a mistake caused by your employee. Later that same day, I contacted Chase customer service and spoke with a supervisor, Chass, who issued complaint number XXXX. During that call, I formally requested preservation and review of all video and audio surveillance related to this incident. On XX/XX/year>, I received notification that all of my Chase accounts would be closed, including my checking, savings, high school checking, and kids banking accounts. This action occurred shortly after I filed a complaint and appears retaliatory in nature. Further, on the morning of XX/XX/year>, I discovered that I was charged a deposit-related fee directly resulting from the tellers improper handling of my transaction. This fee constitutes an unjust financial burden caused solely by your institutions error. This matter has caused significant inconvenience, financial disruption, emotional distress, and public embarrassment, particularly given that I was removed from the premises while attempting to resolve the issue in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
I am filing a complaint regarding the denial of a fraud claim involving electronic fund transfers conducted through XXXX. This incident was the result of an impersonation scam, not a standard authorized transaction. I was deceived by an individual posing as a XXXX contact selling a vehicle and further manipulated by fraudulent text messages impersonating XXXX. The sequence of events is as follows : - I initially sent {$2000.00} via XXXX as a deposit. - I was then instructed to send an additional {$1200.00}, which I did. - I subsequently received text messages appearing to be from XXXX stating that my payment had failed and instructing me to resend a slightly lower amount. - Relying on these fraudulent messages, I sent an additional payment. - The following day, I received another similar message, which caused me to realize this was a scam. In total, I sent {$4400.00} under false pretenses due to fraudulent messages impersonating XXXX and individuals, which directly influenced my actions. I reported this fraud to my bank within 24 hours of the payments on XX/XX/XXXX and provided supporting documentation, including screenshots of the fraudulent messages. I followed up the days after reporting and was informed that my claim had not yet been assigned to an invesitagtor as of the end of day XX/XX/XXXX. Given the time sensitive nature of these transactions, this delay may have impacted the ability to attempt recovery of the funds. Despite this, my claim was denied with a generic explanation indicating the transaction was authorized. I believe this determination is incorrect. This case involves fraudulent inducement through impersonation, which should be treated as fraud rather than a standard authorized transaction. The denial appears to be based solely on the fact that I initiated the transfers, without adequately considering the deceptive circumstances that led to those actions. I filed a police report with the XXXX XXXX XXXX XXXX in Ohio regarding this incident. The report documents the impersonation scam and the fraudulent activity associated with these transactions. The case/report number is XXXX. I am requesting that the bank : 1. Reopen and reclassify this claim as a fraud/impersonation case 2. Conduct a full and fair investigation considering all provided evidence 3. Reimburse the funds lost as a result of this fraud This situation involves clear deception through impersonation of XXXX and individuals and should not be treated as a routine payment dispute. I am requesting a thorough review and appropriate resolution.

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 2026-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THESE INQUIRIES ARE ERRONEOUS AND DO NOT REPRESENT ANY AUTHORIZED OR VALID CREDIT ACTIVITY ON MY PART. I DID NOT GRANT PERMISSION FOR THESE ACCESS EVENTS, AND THEIR INCLUSION ON MY CREDIT REPORT IS UNJUSTLY AFFECTING MY CREDIT STANDING. I AM FORMALLY CHALLENGING THESE ENTRIES AND DEMAND A DETAILED REVIEW AND PROPER AUTHENTICATION. IF THEY CAN NOT BE SUBSTANTIATED WITH ADEQUATE DOCUMENTATION, THEY MUST BE REMOVED PROMPTLY.

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 2026-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Deer Creek Lending
State: IA

Complaint narrative:
I applied for an online loan through deer creek lending XXXX weeks ago. I only applied for the loan to see if I could get approved. I did not sign any loan documents to finalize it. I did not receive any emails, texts, or calls from this company either. Somehow, the money of {$2200.00} was put in my account. I did not check my bank account until a yesterday. They have been drawing over 200 % interest, and they are pulling {$220.00} out of my account every Friday. Money has been pulled out of my account twice now. I called them on XX/XX/year> and told them I did not sign any documents to finalize the loan, but I applied for the loan to see if I could get approved. They brushed it off, and told me that I could either pay it off completely, or I could get transferred to the fraud center. The payoff amount is now, $ XXXX as I have been drawing interest. They also tried to get me to fill out a new application, that would allegedly lower my payments, but I caught onto that, and did not sign it or do anything with that as it was actually another loan application, but for this time, a higher loan amount. I told them to do stop payments on the loan.

Company response to consumer: Closed with explanation