vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 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: FL

Complaint narrative:
I am filing a complaint regarding a denied credit card dispute for a {$2500.00} charge to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX presented itself as an IT staffing firm offering job placement and training services under an XXXX XXXX. The services included resume preparation, technical training, mock interviews, job application support on my behalf, and job placement assistance within a 150-day timeline. I did not receive any meaningful services after making the payment. Within approximately one week, I contacted the company and requested a refund because no services had been delivered. The company informed me that I had signed a 6-month contract and told me that I must wait for the full contract period. They also stated that they would refund my money after 6 months if services were not completed. Based on this, I waited in good faith expecting services or a refund. However, the company failed to provide the promised services, including not applying to jobs on my behalf, and eventually stopped responding completely to all communication attempts. After the 6-month period, no refund was issued. I also sent a formal demand letter on XX/XX/XXXX, but received no response. I filed a dispute with Bank of America under services not rendered, but my claim was denied solely due to the 60-day notification rule. I was unable to act within that timeframe because the merchant required me to wait for the contract period and led me to believe that services or a refund would be provided. I am requesting that Bank of America reconsider my dispute based on the nature of this ongoing service and the merchants actions that delayed my ability to dispute the charge. I am also aware that other individuals who engaged with this company have experienced similar issues and have raised disputes regarding services not being delivered. This situation has caused significant financial hardship. I respectfully request a fair review and resolution of this matter.

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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received text messages claiming I had a package pending delivery and was told I needed to send {$120.00} through Chime to continue delivery. They sent fake shipping proof and an XXXX warehouse image. After sending payment, it became clear this was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Wells Fargos handling of my business credit account and a recent setoff of {$36000.00} from my account. At the time of this withdrawal, I was actively enrolled in a hardship payment plan with a monthly obligation of {$700.00}. This plan was established due to financial hardship, including the impact of the recent California fires, which caused displacement and ongoing disruption to my business and personal finances. Despite these circumstances, I made consistent good-faith efforts to comply with the plan and continued making payments, even during months when I was unable to meet the full amount. Without prior notice, Wells Fargo withdrew {$36000.00} from my account through a setoff. This action has caused significant financial harm, severely impacting my ability to operate my business and maintain financial stability. It also appears to undermine the purpose of the hardship payment plan, which was intended to provide a sustainable path toward repayment during a period of financial difficulty. Additionally, a substantial portion of the funds that were withdrawn originated from a loan through XXXX involving my spouse. My spouse is not obligated on the Wells Fargo account and is not a guarantor of the debt. While these funds were deposited into a joint account, they were not solely attributable to me. I am concerned that Wells Fargo may have improperly applied a setoff to funds that belong, at least in part, to a non-obligated party. I understand that financial institutions may have contractual rights of setoff ; however, such rights are generally expected to be applied in a fair and equitable manner, particularly where a borrower is actively participating in a hardship repayment plan. In this instance, the setoff appears inconsistent with the purpose of the hardship arrangement and has created significant hardship. I am seeking the following resolution : A full reversal of the {$36000.00} setoff, or at minimum a substantial partial reversal Confirmation and reinstatement of my hardship payment plan Assurance that no further setoffs will occur while I remain in an agreed repayment arrangement I am committed to resolving this obligation responsibly and continuing payments under a structured plan. However, the current situation has made it extremely difficult to do so. I respectfully request a thorough review of this matter and a fair resolution that reflects the hardship circumstances and the involvement of funds not solely attributable to the obligated party.

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 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am formally disputing inaccurate, incomplete, and unverifiable information appearing in my XXXX credit file. Pursuant to 15 U.S.C. 1681i ( a ) and 1681e ( b ), you must conduct a reasonable reinvestigation of each disputed item and delete or correct any data that can not be fully verified according to XXXX XXXX and XXXX reporting standards. Midland Management XXXX XXXX XXXX XXXX Account XXXX The account is inaccurately reported as a charge-off and collection with a balance of {$630.00}. The remarks state " Charged off as bad debt, Dispute resolved ; reported by grantor, '' which is inconsistent and unverifiable. Relevant Law : 15 U.S.C. 1681s-2 ( a ) Duty to provide accurate information 15 U.S.C. 1681e ( b ) Requirement to maintain accurate and complete records XXXX XXXX 2.5 Accurate reporting of account status FDCPA Fair collection practices Demand : Please investigate and remove the inaccurate charge-off status from my report within 30 days, providing documentation of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: GA

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 2026-04-13 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: IL

Complaint narrative:
I am filing a complaint regarding improper handling of unauthorized debit card transactions and reversal of a provisional credit. On XX/XX/2026, I identified XXXX unauthorized debit card transactions on my account in the amounts of {$78.00}, {$78.00}, and {$80.00}. These transactions were not made or authorized by me. I reported the fraud to Chase immediately on the same day the charges occurred after Chase themselves notified me of potential fraudulent activity on my card! Chase initially issued a provisional credit for the disputed transactions. However, approximately XXXX month later, Chase removed the credited funds from my account without adequate explanation or sufficient justification. These transactions show clear indicators of fraud, including multiple back-to-back charges of similar amounts, which is consistent with unauthorized testing activity. I had possession of my debit card at the time, and I did not authorize these transactions in any way. Under Regulation XXXX, I reported the unauthorized transactions promptly and should not be held liable. I am requesting : XXXX. Immediate reimbursement of the disputed amounts totaling {$230.00} XXXX. A full and detailed explanation of the investigation and decision XXXX. Copies of any evidence used to determine that the transactions were authorized XXXX. Confirmation that my rights under Regulation XXXX are being properly upheld Chase has failed to provide a reasonable explanation or sufficient evidence to support reversing the provisional credit. I believe this is a violation of my consumer protections for unauthorized electronic fund transfers. I request that this matter be reviewed and resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. Auto Credit Corporation
State: NC

Complaint narrative:
The loan company and the used dealer the people I got my vehicle from sold me a bad car the motor went out and it had other problems like oil leaks and a lot more thing wrong with the car I brought from them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the inaccuracies appearing on my credit report, as they are directly harming my financial standing and overall creditworthiness. Despite multiple attempts to address and correct these problems, the same errors continue to reappear. These repeated inaccuracies are negatively affecting my credit score and limiting my ability to secure financial opportunities. It is essential that these issues be fully reviewed, investigated, and corrected immediately. If these matters are not resolved promptly, I will have no choice but to pursue legal action for any resulting damages, including seeking compensation for violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Subject : Formal Complaint Credit Reporting Inaccuracy and Lack of Consumer Notification ( SEFCU Account ) To Whom It May Concern : I am submitting this formal complaint regarding the credit reporting practices of State Employees Federal Credit Union ( SEFCU ) and the continued reporting of isolated 30+ day late payments on my account. The specific late payment notations in question occurred in : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Outside of these isolated instances, I have maintained an otherwise consistent and responsible payment history. Additionally, I have had other credit obligations wi th SEFCU, including an auto loan, which was never reported as 30 days late, further demonstrating my overall pattern of timely payment and good-faith account management. At the time of these alleged late payments, SEFCU failed to provide any reasonable or consistent consumer notification, including : No phone calls No email alerts No written correspondence notifying me of a past-due status This lack of communication is a critical factor. As a consumer acting in good faith, I was not given a reasonable opportunity to cure or address the account status prior to negative reporting. It is my understanding that SEFCU has since implemented improved notification practices. This change further suggests that such safeguards were either insufficient or not consistently applied during the time periods in question. Given these facts, I am requesting the following : A full and documented investigation into the reporting of these late payments, including : Verification of the accuracy of delinquency dates Review of account records and payment application Production of any communication logs or evidence of consumer notification during the periods in question A determination as to whether the reporting meets the standards of accuracy, completeness, and fairness under the Fair Credit Reporting Act Consideration of a discretionary adjustment and removal of these isolated late payment notations, based on : The absence of timely consumer notification My otherwise strong and consistent payment history My demonstrated performance across multiple accounts with SEFCU, including an auto loan with no history of delinquency My repeated good-faith efforts over the past several years to resolve this matter directly Despite multiple attempts to address this issue with SEFCU, I have received only standardized responses without evidence of a substantive review. I respectfully request that this matter be escalated to the appropriate review and compliance teams within SEFCU for a thorough and meaningful investigation, rather than a templated response. Thank you for your attention to ensuring that consumer credit reporting remains both accurate and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: UT

Complaint narrative:
Mohela provides deplorable customer service, with on-hold times in excess of 2 hours. Agents have given wrong information, asking borrowers to contact student XXXX instead of handling inquires, only to be referred back to Mohela and endless wait times.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I went a a well Fargo branch location to deposit 3 checks worth XXXX. The branch refused to let me deposit a checks into my account. I understand being cautious if I were trying to cash it immediately, but I was only asking to deposit it and was fine with them placing a hold on the funds if needed. Instead, they denied the deposit entirely, which ended up wasting about an hour of my time. I then had to drive to another branch, where the same check was deposited without any issue in about 15 minutes I made a complaint to the company and nothing happened

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
On around XX/XX/year> I went to the XXXX XXXX XX/XX/XXXX! The hotel charged extra fees of {$200.00} XXXX XXXX and XXXX XX/XX/XXXXand the hotel nor chime doesn't want to return our money! We have been trying to get our money back since XXXX and the XX/XX/XXXXrunning this bank needs to be deported and sent back to there country because they are using retaliation and XXXX behavior by not treating me like a chime member! The bank is also in violation of FDIC, notes that the bank has insurance on all accounts of up to {>= $1,000,000}! The people are XXXX and hateful people!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CITIBANK opened a credit card account ( ending in XXXX ) under my name in XXXX, without my knowledge, under a fraudulent phone number and allowed criminals to max out the credit card and I am receiving bank statements with debt, asking to pay the mentioned debt. I never authorized opening this account, I do not recognize the card, charges and phone number ( ending in XXXX ) associated with this card. I opened a dispute in XXXX of XXXX via phone with CITIBANK, they sent me a letter confirming the dispute was open on XX/XX/XXXX. On XX/XX/XXXX I called CITIBANK again to follow up and was told that the case was closed and I am responsible for the charges. CITIBANK never sent me a written request for information or a written update that the case was closed. During the call I asked to re-open the case, but failed to get any update on the next steps and how the issue is going to be resolved and within which timeframe, which I find unacceptable. No documents were sent to me such as original application and signatures for this fraudulent account. My credit score has been hurting for the past few month because of this debt.

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 2026-04-13 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am filing a formal complaint against TD Bank regarding an unauthorized withdrawal and failure to resolve the issue. I had an outstanding balance that I paid in full through an authorized third party collection agency that works with TD Bank. This payment was successfully completed and later confirmed by TD Bank representatives when I opened a new account. Despite this confirmation, TD Bank withdrew XXXX USD from my account without my authorization and without any notice. This is an unauthorized transaction. Since then, I have made multiple phone calls to TD Bank trying to resolve this issue. Each time I was told that the issue would be reviewed and resolved within 24 hours, and that I would receive a call back. No one ever called me back. No resolution has been provided. This demonstrates a pattern of misleading communication, failure to follow through on commitments, and lack of proper customer support. TD Bank has taken money from my account without authorization and is ignoring my attempts to resolve the situation. This may be a violation of Regulation E ( Electronic Fund Transfer Act ). Account last 4 digits : XXXX Last 4 digits of SSN : XXXX Reference number : XXXX I am requesting : - Immediate refund of XXXX USD - Full investigation into this unauthorized withdrawal - Written explanation of how this occurred - Confirmation that no further unauthorized withdrawals will take place If this matter is not resolved promptly, I request that CFPB investigate TD Banks handling of consumer funds and complaints. I expect prompt action on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Deer Creek Lending
State: OK

Complaint narrative:
I borrowed {$2700.00} on line. When the principal was paid off I asked what the remaining payoff is. They told me {$2500.00}, but now with the daily interest it is up to around {$3300.00} for a {$2700.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing a complaint regarding multiple unauthorized transactions processed through PayPal involving cryptocurrency purchases. Between XX/XX/year> and XX/XX/year>, a series of transactions totaling over {$40000.00} were charged to my debit card via PayPal. The transactions are listed below : XXXX XXXXXX/XX/year> {$3500.00} ( Transaction ID : XXXXXXXX XXXX XXXX XX/XX/year> {$2000.00} ( Transaction ID : XXXXXXXX XXXX XXXX XX/XX/year> {$1200.00} ( Transaction ID : XXXXXXXX XXXX XXXX XXXXXX/XX/year> {$3900.00} ( Transaction ID : XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$4000.00} ( Transaction ID : XXXX XXXX XXXX XXXX XX/XX/year> {$3200.00} ( Transaction ID : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> {$10000.00} ( Transaction ID : XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$8000.00} ( Transaction ID : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$2400.00} ( Transaction ID : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$4500.00} ( Transaction ID : XXXX ) These transactions were not authorized by me. I did not receive any authorization prompt, confirmation request, one-time password ( OTP ), or any meaningful verification before these transactions were processed. Additionally, any notification I received occurred after the transactions had already been completed. Therefore, there was no opportunity for me to approve or deny these transactions in advance. Despite this, PayPal closed my case and incorrectly determined that some transactions were authorized, without providing any evidence of a valid authorization process. I have also reported this matter to my bank, XXXX XXXX XXXX, and requested a full investigation. Given the absence of any authentication or user authorization, and the high-risk nature of cryptocurrency transactions, I believe both PayPal and the bank failed to implement adequate fraud prevention measures.

Company response to consumer: Closed with explanation