vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 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: PNC Bank N.A.
State: IL

Complaint narrative:
I have a home equity line of credit with PNC Bank of Illinois in the XXXX XXXX XXXXXXXX. I could not make my payment myself because the banking app that they have was not working. I called and got someone to make that payment for me. this was a principal only payment. This was completely stated in the conversation many times because I wanted to be sure they did not put it towards a payment on the interest which is just exactly what they did. This was XX/XX/year> today is XX/XX/year>. I have talked to everyone in the company including their so-called top person. She assured me two weeks ago that when my statement came out, everything would be exactly the way its supposed to be my statement came out on the eighth and it is not been rectified. I have put in another call to them. Im getting very upset. They removed {$2000.00} from my checking account and applied it to a payment on my home equity line of credit and it should have gone to a principal payment. They also made an extra payment on the interest. I have made numerous phone calls. I would willing to be at at least five phone calls with my local branch, plus a in person visit with the customer service rep who is this helpful as she could be at her level she contacted someone above her pay grade. They called me and Ive been in contact with this lady and her name is laura at least five times. She is the one who assured me when the statement came out on XXXX XXXX my accounts would catch up and everything would be fine which it is not. I have put in another call to her but Ive not heard from her now I want the federal government to do something about it. They had no right to take {$2000.00} and do what they want with it. These phone calls are recorded. I encouraged them to listen to the phone call with the representative and to be assured that I did not ask for it to go to a regular interest payment and they did so if you need confirmation, its in a recorded telephone call please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime claims not to hold direct deposits but my direct deposit was consistently earlier before switching to Chime. I usually get paid on XXXX evenings. My job sends the check out at the same time XXXX afternoon and it was sent yesterday. Chime is saying that they have no record of my direct deposit pending. There is no possible way that it was not sent to them. Last time I had an issue they also said they had no record of it pending. I hung up and the direct deposit was there right after. Chime is holding direct deposits and claiming they are making them available. I know this is true but I do not know how to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX 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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: SC

Complaint narrative:
On today XX/XX/year> my mobile deposit of a {$14.00} XXXX XXXX check was rejected by Chime for risk/security reasons. I have no history of fraud or returned deposits. Chime refused to provide any explanation or verification and stated they can not disclose the reason. I am requesting clarification and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and XXXX, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
My BECU XXXX was used fraudulently. BECU is denying the fraud claim on the grounds that the physical chip card was used, and it was in my possession at the time ( i.e. not reported stolen ). The card was indeed in my possession, but I did not make these charges. BECU has not provided the additional information I have requested in order to understand what might have happened. Their fraud department is unresponsive to my follow-up requests ; only the customer service representatives are available for questions, and they have little information. Timeline : XX/XX/26 XXXX completed transactions at XXXX business locations : - XXXX XXXX XXXX, WA - {$55.00} - XXXX, XXXX, WA : {$61.00}, {$100.00}, {$83.00} There were also XXXX other attempted and denied transactions : - XXXX, XXXX XXXX WA - {$950.00} XXXX XXXX, XXXX, WA - amount unknown to me XX/XX/26 - BECU notifies me of the suspected fraud and I respond that the charges were not authorized. Card is shut off. XX/XX/26 - XXXX claim initiated XX/XX/26 - Fraud claim denied. Justification : " no error occurred as the services were rendered by the merchant listed in the dispute. Your physical card was present where the CHIP and/or PIN were authenticated at the merchant 's terminal, with no errors, and the card was in your possession when the transaction occurred. '' I called and asked that it be reopened, reiterating that I did not make the purchases XX/XX/26 - Fraud claim denied again. Same justification, no new information or details. XX/XX/26 - I spoke to BECU customer service and again reiterated that I did not make these charges. I requested that the transaction details be sent to me, both verbally and via email. XX/XX/26 - I filed a police report with the XXXX police, as the transactions occurred in XXXX XX/XX/26- I filed a police report with the XXXX police, as I live in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: VA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I am a Wells Fargo customer with account number ending in XXXX. Wells Fargo is reporting a late payment on my credit report for XX/XX/XXXX and XX/XX/XXXX that I am requesting be reviewed for removal as a goodwill adjustment. On XX/XX/XXXX, and XX/XX/XXXX, my payment was reported late due to an oversight. This was an isolated incident. My payment history before and after this occurrence has been consistent and on time. I contacted Wells Fargo directly on XX/XX/XXXX via email requesting a goodwill deletion of this negative mark. I have not received a satisfactory response or resolution. This negative item is significantly impacting my XXXX XXXX. I am requesting that Wells Fargo remove this item from all three credit bureaus ( XXXX XXXX XXXX XXXX ) as a goodwill adjustment, given my otherwise positive account history.

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 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: VA

Complaint narrative:
On XX/XX/year>, a Klarna loan ( order reference XXXX ) was opened in my name for a XXXX purchase totaling {$3300.00} on a Pay over 24 months plan. I did not place, authorize, or consent to this order or this loan. I opened a dispute to demonstrate I did not place the order. Klarna closed the dispute against me, stating that because the merchant had my address and phone number on file, I must have placed the order. This reasoning is unacceptable : possession of a customers contact information is not evidence of authorization or consent to extend credit. Klarna has not provided any verification that I authenticated, approved, or initiated this transaction. This is now the second unauthorized order processed through my Klarna account, which indicates my account has been compromised or my information is being misused. Despite this, Klarna has refused my requests to close the account, and its customer service has been unresponsive to my attempts to resolve the matter. I am requesting that the CFPB facilitate the following : ( 1 ) Klarna void and close the unauthorized loan in full, removing any balance owed ; ( 2 ) Klarna confirm in writing it will not furnish or report this account to any credit bureau, and will retract any furnishing already made ; ( 3 ) Klarna permanently close my account; and ( 4 ) Klarna minimize retention of my personal information to only what is legally required and confirm it will not be reused to open further credit. I have not received the goods, did not authorize the loan, and consider this an unauthorized extension of credit in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CT

Complaint narrative:
I tried calling and giving them all my information, letting them know that I received emails in the past 12 hours for setting up direct deposit and another one for sending a debit card to me. I never requested these and haven't logged into my chime account in years the Support team claims that my account wasn't even visible to them, which seems incorrect given. I've gotten emails from their real email domain which I've confirmed. I also am able to put in my real email address and get it to recognize it in the reset password system but the problem is that the person who compromise my account changed my phone number so I can't get the reset Code. I called Support twice talked to two different people, and they both times after putting me on hold told me that they couldn't give me any more account info and to log into my chime account on my app which I told him I could log into which is why I was calling them. The guy just kept repeating himself. I told him I was worried about my Social Security number being compromised, and that didn't really seem to move the needle so I am now here filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: WA

Complaint narrative:
I got gas at my local gas station as I do every single week. Ive never had an issue with them holding money over five minutes until last night. They held {$100.00} and has not returned it. Cash App is claiming they will return it in six days and theres nothing I can do when I need the money urgently for my bills. Im now being charged late fees on my insurance because I cant make payments because of Cash App holding my funds. They will not release them and they will not help The management was very rude, and it was very unprofessional and the worst service Ive ever had with any Banking provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a complaint already but none of my questions were answered including 1 why was the maturity date changed from XX/XX/XXXX to XX/XX/XXXX if the loan wasnt to be matured and paid off? 2 the amount ratio from my payments to interest and principal would have taken approximately 24-30 more months to have the loan paid off! So that would have been 36-40 payments more for 10 payments deferred? And 3 why wasnt I able to get a date or maturity date when the car was paid off? Was it a never ending loan? Please answer my XXXX questions XXXX XXXX

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and XXXX affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was contacted by a scammer that claimed to be a loan officer from a company called XXXX XXXX. The scammer called from a XXXX, TX phone number, the scammer placed false checks/ deposit into my account. Wells Fargo did not take the necessary time to investigate these deposited checks as they were cleared immediatly. The checks all bounced and now i owe wells Fargo for the fraudulent checks they cleared in 10 mins, leading me to believe this was a legitmate transaction, Wells fargo failed me and now wants to hold me responsible even they there instution cleared fraudulent checks on my behalf.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint regarding Regions Banks closure of a joint account held by me and my XXXX. I discovered on XX/XX/XXXX that the account had been closed when my fathers Social Security payment, which normally arrives on or before the first of the month, did not appear in the account. I contacted Regions Bank and spoke with branch personnel, including a branch XXXX. However, neither I nor the branch XXXX have been provided with any explanation regarding the closure of the account. Regions has sent correspondence stating that it has the right to close accounts, but it has not provided information regarding the reason for the closure or the status of any incoming deposits. My father is alive and resides in a XXXX XXXX. His Social Security benefits are used to pay for his care. I am concerned that the closure of the account may have affected the receipt of his Social Security payment. I am requesting that Regions Bank provide : 1. The reason the account was closed, to the extent permitted by law. 2. The date the account was closed. 3. The balance in the account at the time of closure. 4. Information regarding any Social Security deposits received, rejected, or returned. 5. Information regarding any funds issued by check or otherwise remitted after closure. Despite multiple attempts to obtain information, I have not received answers to these questions. XXXX XXXX

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 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
This is a supplemental complaint to my original CFPB complaint filed on XX/XX/year> ( reference number XXXX ). This supplemental complaint addresses a SEPARATE AND FOUNDATIONAL legal defect that my original complaint did not fully address : the underlying debt is VOID under Washington RCW 59.18.280 because XXXX XXXX XXXX failed to provide the required itemized statement within 30 days of move-out. This is a state law violation that makes the debt uncollectable, independent of any FDCPA or FCRA violations. Columbia Debt Recovery must address this RCW 59.18.280 violation in their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the XXXX XXXX XXXX tradeline as inaccurate, incomplete, and not verifiable. XXXX issued a secured credit card with a {$2500.00} limit, yet the account reflects approximately {$3500.00}, because XXXX allowed/posted about {$1000.00} over the secured limit without my consent or authorization. I have disputed this with XXXX multiple times with no meaningful resolution, yet this tradeline remains on my credit report. This conduct is unfair under 12 U.S.C. 5531 and 5536, implicates consumer credit protections under 15 U.S.C. 1601 et seq., and Regulation Z, 12 C.F.R. 1026.56, and also violates XXXX XXXXXXXX Fair Debt Collection Practices Act ( Civil Code XXXX and XXXX ) to the extent the reporting/collection activity is being pursued unlawfully. Under the FCRA, you must perform a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) and maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). If XXXX can not verify the disputed balance/terms with competent documentation ( including lawful authorization for any amount above the secured limit ), you are required to delete or correct the tradeline under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). I am demanding deletion of the XXXX tradeline ASAP, and written confirmation of the results. Sincerely,

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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/year> I deposited a physical paper XXXX Treasury federal tax refund check in the amount of {$6.00}, XXXX in person at a Bank of America financial center I waited a few days for the funds to clear which they did on Friday XX/XX/XXXX of XXXX I used my debit card online through a mobile app for a routine ride payment immediately following this transaction Bank of America place a credit only restriction on my everyday checking account blocking all withdrawals and access to my money I contacted Bank of America consumer service multiple times on Friday XX/XX/XXXX of XXXX to resolve this issue one agent stated the account restriction was due to a transaction while a subsequent agent stated they could not give me any information I was finally informed that my entire account is under review by the risk operations department and that the review will take 24 business hours meaning I will have no access to my funds until at least Monday because my rent is due immediately and this account freeze is causing a severe sudden financial hardship I am requesting that Bank of America immediately expedite this review verify my identity and lift the restriction on my account today so I can access my funds and pay my housing 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