vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am submitting a complaint regarding a deceptive and confusing credit card application experience with Chase. I already had an existing Chase credit card account and was attempting to complete what I believed was a balance transfer on my existing account. At no point did I knowingly intend to apply for a new line of credit or authorize a hard credit inquiry for a new account. The online process was confusing and misleading enough that I reasonably believed I was managing my existing account relationship rather than submitting a new credit application. As soon as I realized a hard inquiry had been generated, I immediately contacted Chase customer service, the application department, the credit bureau department, and management to explain the situation and request removal of the inquiry or other goodwill assistance. Chase refused to assist in any way. This issue is particularly harmful because I am currently preparing for a mortgage application, and an unnecessary hard inquiry may negatively impact my m ortgage lending process. I am requesting : Investigation into whether Chases application flow adequately disclosed that this was a new credit application requiring a hard inquiry. Removal of the hard inquiry as a goodwill adjustment due to the confusing and misleading nature of the process. Written clarification regarding how consent for the hard inquiry was obtained. Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I am disputing an unverified, time-barred credit card debt originally allegedly belonging to XXXX XXXX XXXX XXXXXXXX. with an account number ending in XXXX, showing an alleged balance of {$1500.00}. According to the debt collector 's own authorized third-party agency communications, the date of last activity/delinquency on this account was XX/XX/XXXX. A collection notice dated XX/XX/XXXX, explicitly admitted in writing that the debt is too old to be legally enforced, stating that the current account owner, Absolute Resolutions Investments , LLC, can not and will not sue for it. Under applicable state law, the 4-year statute of limitations to legally enforce or collect a credit card debt has completely expired. On XX/XX/XXXX, I sent a formal Pre-Suit Dispute and Validation Notice via Certified Mail directly to Absolute Resolutions Corp . I formally disputed the debt, stated I have no knowledge of a signed contract, and demanded full verification or immediate deletion of the collection tradeline within 14 days. The company has failed to provide a valid contractual agreement or any verification verifying that this debt is mine or legally collectable by them. Despite this, they continue to report collection activity and maintain an open balance on my Experian credit report past my notice 's 14-day deadline. I demand that Absolute Resolutions Corp. immediately cease all collection activities and fully delete this unverified, time-barred tradeline from my consumer credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I noticed several withdrawals from my XXXX XXXX account. Not realizing they were for a loan from CashApp it was not indicated at the time, I panicked and called both CashApp and XXXX XXXX to report fraudulent activity in the amounts of {$290.00}, {$140.00}, and {$130.00}. As shown above, XXXX XXXX put the funds ( {$570.00} ) back into my account until an investigation was completed. CashApp showed the {$130.00} as being disputed by XXXX XXXX and returned ( shown above ). On XXXX XXXX, CashApp withdrawal {$130.00} from my CashApp account due to returning funds to XXXX XXXX. Because now Ive paid through XXXX XXXX and Ive paid through CashApp for this one transaction. On XX/XX/year>, I called CashApp and spoke with a Representative that seemed confused, so I asked to speak with a supervisor who explained that the funds were refunded back to XXXX XXXX as of the XXXX of XXXX and it should show in my account by XX/XX/XXXX or XXXX. After being told by XXXX XXXX on XX/XX/year>, that no refund was received nor is there a refund pending, I reached out to CashApp again. I spoke with a representative who appeared to be clueless about the refund, so I asked to speak with a supervisor. I was put on hold. When the representative returned, she told me that the supervisor advised me to contact my bank. I asked to speak with the supervisor again and was told I could not speak with anyone else to contact my bank. As of today XX/XX/year>, XXXX XXXX has not received any refund from CashApp which leaves me paying {$130.00} to both financial institutes. I ask that CashApp please refund my funds to my financial institute immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: MO

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
b'To:\nCredit Collection ServicesXXXX XXXX XXXX XXXX XXXX\n\nRe: Reference No. XXXX XXXX XXXX\n\nI am responding to your collection notice regarding the alleged debt owed to Infinity Auto Insurance Company.\n\nPursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g, I dispute this debt and request validation of the alleged account, including:\n\t\tThe original contract or agreement creating the debt\n\t\tA complete payment history\n\t\tProof that your company is authorized to collect this debt\n\t\tThe name and address of the original creditor\n\nUntil validation is provided, cease collection activity and do not report this account to any credit reporting agency.\n\nSincerely,\XXXX XXXX'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
I am filing a complaint regarding an unauthorized Affirm loan associated with a merchant identified as XXXX XXXX XXXX for a conversion ready multi page website build. On or about XX/XX/year>, I received notification from Affirm that a loan had been opened in my name. I did not knowingly apply for, authorize, or sign for this financing agreement, nor did I knowingly purchase services from this merchant. Immediately upon learning of the loan, I disputed the account with Affirm and requested that the account be flagged as fraudulent and investigated. I also requested copies of : the loan application, all signed agreements, electronic signature records, IP/device information, and all contact information associated with the application. I additionally contacted the merchant, XXXX XXXX XXXX, requesting verification of the alleged transaction and cancellation if fraudulent or unauthorized. At this time, I dispute responsibility for this loan and believe it may involve identity theft, unauthorized account creation, or improper processing of financing without valid authorization. Key facts : I did not knowingly authorize this loan. I did not knowingly sign any agreement. I disputed the loan immediately upon notification. I requested all supporting documentation from both Affirm and the merchant. I have taken steps to protect my identity, including reviewing my credit and placing security protections as necessary. I request that Affirm : Conduct a full fraud investigation, Provide all application and signature records, Suspend any collections or credit reporting activity during the investigation, Remove the loan from my account and credit reporting if unauthorized, Confirm the results of the investigation in writing. I also request preservation of all electronic records related to the application, including IP logs, timestamps, device identifiers, authentication records, and communications with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
It is well documented. I need the authority that can provide fair relief to take action because the banks actions and inactions have destroyed my life and the bank refuses to provide fair relief. Their previous consent orders and stipulation orders describe what they say they remedied and yet in XXXX we're still doing to me the customer 4 years after closing my account. In XXXX they contacted myself again and continued to cause and still are the direct result of the ongoing harm I continue to experience personally, professionally, and financially as for when they closed my accounts after XXXX years of my good faith deposits they admit the " unauthorized " stealing of those deposits for a product I never authorized or signed for as I have all the original documentation for the account opening and the life of said accounts.

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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a bank account with Truist Bank. Around XX/XX/year>, they decided to close my account. I personally realized this because I completely lost access to my online banking account. I called their customer service department, and they informed me that the bank had made the decision to close my checking account. I then asked about my credit card, and they told me that all accounts I had with them had been closed. I went directly to the branch located at XXXX XXXX XXXX, XXXX, GA XXXX to find out what was happening with the money in my checking account and to request more information about the situation. They clearly told me that my accounts had been closed by decision of the bank. It is important to note that my credit card was a secured credit card backed by a {$500.00} security deposit that I personally provided in order to obtain the card. After being told that all my accounts were closed, I did not receive any further information about any active account and completely lost access to online banking. I also attempted to open a new account, but I was informed that I was not allowed to open another account with them. Currently, I received a statement for this credit card showing a balance of {$530.00}. I called to ask about these additional charges, and I discovered that the account was apparently still active, despite the fact that I had previously been informed that it had been closed. Now they are demanding that I pay {$530.00}, even though they are still holding my {$500.00} security deposit. They are threatening to send me to collections if I do not pay the balance, despite already having the {$500.00} deposit and despite previously informing me that all of my accounts had been closed. I have no guarantee that they will return the security deposit I made, since I no longer have access to online banking or any active account with them. Considering that this issue was not caused by me, but rather by a lack of communication on their part after informing me that all accounts had been closed and removing my full access to online banking, I believe the fairest resolution would be for them to keep the {$500.00} security deposit already provided for this credit card and completely close the account.

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 2026-05-28 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: NH

Complaint narrative:
I am filing this complaint against Wells Fargo for their refusal to recover {$5700.00} stolen through a bank impersonation scam. While the bank currently classifies this as " authorized '' because I was coerced into moving the money under false pretenses, I am disputing this based on gross negligence in the bank 's fraud detection protocols. Account and Transaction Details : Transactions between XX/XX/year> and XX/XX/year> Amount Stolen : {$2700.00} ( Payroll funds ), {$3000.00} ( credit card cash advance ), Total of {$5700.00} Destination : XXXX XXXX ( Red Flag Account ) Failed Transaction : XXXX XXXX ( Declined by Bank ) Evidence of Bank Negligence & Systemic Failure : During the course of this scam, two distinct transfer attempts were made under the same fraudulent conditions : Declined Transaction ( XXXX XXXX ) : An attempt to move funds ( an initial transfer of {$200.00} ) to XXXX XXXX was immediately flagged and declined by Wells Fargo s security systems as suspicious/unauthorized. This proves the banks system was capable of identifying the risk. Successful Transaction ( XXXX XXXX ) : Despite blocking the first attempt, the bank allowed a subsequent high-value transfer to an XXXX XXXX account. This account was a " red flag '' destination and entirely uncharacteristic of my historical account activity. The banks security was inconsistent ; they identified the fraud in one instance but failed to apply that same logic to the very next transaction in the same session. By allowing the XXXX XXXX transfer to proceed after already flagging the XXXX XXXX attempt, Wells Fargo failed to mitigate a known risk. Basis for Recovery under Regulation E : Under the Electronic Fund Transfer Act and recent CFPB guidance, a consumers " authorization '' is legally void when it is obtained through criminal impersonation of the financial institution itself. Because the banks own system flagged the session as fraudulent ( by declining the XXXX XXXX transfer ), the bank had a Duty of Care to freeze the account or block all outgoing transfers until my identity and intent could be verified via an out-of-band security check.

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 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I discovered that I had a rental debt that was not mines. I contacted the collection agency and was not successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE
State: UT

Complaint narrative:
On XX/XX/year>, XXXX identical {$1500.00} XXXX XXXX transactions were processed from my account to my XXXX XXXX XXXX account on the same day, same amount, same destination. I disputed these as duplicate processing under XXXX Reason Code XXXX. Charles Schwab Bank initially investigated and issued provisional credit, agreeing the transactions were duplicates. Schwab then reversed the provisional credit citing XXXX XXXX as the reason per their own investigators case notes. XXXX XXXX describes the transaction type it does not address whether the transaction was duplicated, which is the actual dispute. I submitted a formal reconsideration request with supporting documentation, including the merchants own response ( XXXXXXXX XXXX XXXX ) which explicitly acknowledges XXXX unique transactions for the same amount, made on the same day under XXXX Reason Code XXXX Duplicate Processing. Schwab responded that they received my documentation but are unable to pursue this matter further and directed me to work directly with the merchant. The merchant ( XXXXXXXX XXXX XXXX XXXX ) was contacted and confirmed by phone that the funds were transferred to Charles Schwab Bank and that Schwab should issue the credit. Both institutions are directing me to the other, and neither is taking responsibility for the duplicate transaction. Additionally, despite XXXX written requests, Schwab has not produced the investigation documents I am entitled to under Regulation E ( 12 CFR 1005.11 ). I am requesting a full refund of {$1500.00} and production of all documents relied upon in Schwabs determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> I deposited a check for {$8000.00} into my TD Bank XXXX Bank has withheld my funds in direct violation of federal law. Under XXXX CFR XXXX ( c ) ( XXXX ) ( vii ), TD Bank was required to give me a next-day availability minimum of {$270.00}. Instead, the bank only released {$100.00}, which is an immediate statutory breach.Furthermore, under the large deposit exception rules in XXXX CFR XXXX ( b ), a bank can only place an extended hold on check amounts that exceed the federal threshold of {$6700.00}. The bank was legally required to make the standard {$6400.00} chunk available to me by the second business day ( {$6700.00} threshold minus the initial {$270.00} next-day release ). I have sent multiple messages to which they still refused to release the funds claiming " If a hold is placed because we have reason to believe a check may be uncollectible, the full amount of the check may be held up to XXXX ( XXXX ) business days after the date of deposit. This hold supersedes any prior availability provided to you, including the initial {$100.00} provided on the date of deposit. Upon review, our records indicate that your deposit for {$8000.00} was placed on a XXXX day XXXX XXXX Hold for verification purposes on XX/XX/year>. This hold will expire on XX/XX/year>, and the funds should be available the next business day, XX/XX/year>. '' Instead, TD Bank has unlawfully frozen nearly the entire {$8000.00} balance.TD Bank also failed to handle the required hold disclosures correctly under XXXX CFR XXXX ( g ). I request that your agency investigate TD Bank 's non-compliance with XXXX CC timelines and order the immediate release of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I am submitting this complaint against Portfolio Recovery Associates regarding an alleged debt being reported and collected that I dispute and request validation for. Portfolio Recovery Associates is reporting this account on my credit report and attempting to collect on the alleged debt without providing sufficient verification or documentation proving the debt is accurate and legally enforceable. I believe the information being reported may be inaccurate, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I requested that Portfolio Recovery Associates cease communication regarding this matter and requested proper validation of the debt. Despite this, the account continues to negatively affect my credit report and financial standing. I am requesting : * Complete validation and verification of the alleged debt * Proof that Portfolio Recovery Associates has the legal right to collect this debt * Verification that all information reported to the credit bureaus is accurate and compliant with federal law * Removal of the account from my credit reports if the debt can not be properly verified This complaint is not an acknowledgment or acceptance of liability for the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The continued reporting of these inaccuracies is materially damaging my creditworthiness and has directly prevented me from qualifying for a mortgage. This constitutes harm caused by noncompliance with federal law. I demand that these accounts be fully investigated and, if not properly verified with a lawful permissible purpose, permanently deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My Citibank account was placed under review on or around XX/XX/year> and later closed around XX/XX/year>. I was informed that the closure process would take time to finalize. I later received a statement showing a balance remaining in the account. After the account was closed, I repeatedly contacted Citibank requesting information regarding the status and location of the funds and whether the funds had been returned or were still being held. Citibank later stated that the funds were considered third-party funds and would need to be recalled by the originating institution. Following this instruction, XXXX XXXX submitted a recall request to Citibank on XX/XX/year> for {$2100.00}. I provided Citibank with documentation confirming that the recall request had been submitted. Citibank acknowledged receipt of my correspondence and advised me that I would receive a response within XXXX calendar days. I was later informed that XX/XX/year> was the response deadline and that I would receive an update by phone or email. As of today, Citibank has failed to provide a clear update regarding whether the funds have been returned, are still being processed, or are still being held. I have repeatedly attempted to obtain clarification through phone calls and emails but have not received a definitive status update regarding the funds.

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