vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
" I am disputing an unauthorized transaction of {$1100.00}. I was a victim of a fraudulent merchant that induced me into providing my debit card information through deception. I reported this immediately to PNC Bank. 

PNC denied my claim stating 'no error occurred ' and that Regulation E does not apply because I provided my card info. However, according to CFPB Electronic Fund Transfers FAQ # 5, a transfer meets the definition of an 'unauthorized EFT ' if a consumer is fraudulently induced into sharing account access information.

PNC is ignoring federal guidance and has failed to conduct a proper investigation into the fraudulent nature of the merchant. I request a full refund of the {$1100.00}. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/year>, my credit union ( XXXX XXXX XXXX XXXX ) sent a payoff check to Citibank in the amount {$7100.00}. Citibank applied the payment to my account on XX/XX/year>. However, they put my credit limit at {$0.00} even though my credit limit is {$7000.00}. I called Citibank on XX/XX/XXXX, they say they need to " verify '' my payment before they can let me use my card. They say the " verification process '' will end of XX/XX/year>. After that, they will let me use my card. They did not request any additional information from me regarding this verification process. Right now, I owe {$0.00} on the card but can not use my card.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TN

Complaint narrative:
I am filing a complaint regarding Chimes improper handling of an unauthorized debit card dispute. 

On XX/XX/year>, my debit card was charged multiple times by an unfamiliar merchant, XXXX for identical amounts within minutes of each other, totaling {$430.00}. I do not recognize this merchant, do not have an account with them, and never received any goods, services, emails, or confirmations. 

I reported the transactions as unauthorized in a timely manner. Chime denied my dispute multiple times without providing proof of authorization, merchant receipts, or evidence that I approved repeated charges. Chime relied only on internal device and login data, which does not establish authorization under Regulation E.

When I attempted to escalate, a supervisor stated that the team who made the decision was unreachable and disconnected the call. Chime continues to request additional information without explaining what evidence is missing or how authorization was determined.

I am requesting that Chime comply with Regulation E by conducting a proper investigation, providing written evidence of authorization for each transaction, and crediting the unauthorized debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Net Pay Advance, Inc.
State: CA

Complaint narrative:
Today XX/XX/year> Netpay advance electronic debit to my account using my debit card number in the amount of XXXX. 
I did not authorize this payment and do not know why this amount has been taken out of my checking account. As far as I know I have not received any funds from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: Aldous & Associates, PLLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am XXXX  out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: FL

Complaint narrative:
I reported fraudulent charges on my credit card as soon as I became aware of them. I contacted the credit card company promptly and informed them that the transactions were unauthorized. The company responded by requesting additional information about the transactions. However, because the charges were fraudulent, I did not have access to the requested details ( such as merchant-specific information or transaction authorization ), as I did not make or recognize the purchases. Despite explaining this, the company did not resolve the issue and continued to require information I could not reasonably provide for fraudulent activity.

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 2026-01-29 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
These are the claim numbers with Sofi Bank. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Saw unauthorized transactions on my debit card. Cancelled and reported my card as lost/stolen within two days as per bank policy and they still denied my claim. 

Which directly goes against the guarantee they claim on their website.

This is also within the timeframe they claim I am covered by as well.

This company/Bank is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This account was paid off in full and I requested it be closed in XX/XX/year>. The account still appears on my profile not indicating it was closed. I have made multiple requests to have this closed account REMOVED from my profile but Synchrony Bank is dysfunctional and can't seem to figure out how to do it! This was a previously reported problem that took this type of complaint to get the other paid off account removed. See XXXX. Synchrony Bank REFUSES to remove closed accounts from a customer 's profile. The closed account profiles DO NOT reflect the account ifs actually CLOSED! I want this XXXX XXXX account that was always in good standing, paid off, and closed REMOVED from my customer profile!

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Opened account a week earlier and funded account. They sent checks and accepted direct deposit set-up and deposits at branch. Without warning they informed me that they were closing the account. They have a significant amopunt of my money that I would like back.

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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I was deactivated from XXXX  suddenly on XX/XX/XXXX. I did not violate their terms of service or do anything wrong to my knowledge. I called the company on XX/XX/XXXX to try to get an explanation and take steps to rectify the problem. I then received an email stating that my account has been permanently deactivated because my " actions and activity have been in violation of this agreement. '' I have no idea what violations supposedly occurred and the message states that there is nothing more that can be divulged and nothing can be done to rectify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Summary Wells Fargo refused to conduct an exception-based review of a credit card dispute involving misrepresentation, non-delivery of services, and merchant-induced delay. The bank issued a timing-only denial without addressing evidence, Visa exception rules, or date-of-discovery principles. 

Details On XX/XX/XXXX, a charge of {$1300.00} was posted to my Wells Fargo credit card for services from XXXX XXXX XXXX. The services were not delivered as promised. 

Between XXXX and XX/XX/XXXX, the merchant repeatedly made assurances that the services would be completed shortly, within the day, or by tomorrow, while continuing to delay performance and avoid responsible management contact, as documented in written communications. 

After continued non-delivery and delays, I requested a refund in early XX/XX/XXXX, once it became clear that the services would not be delivered and the merchant refused to issue a refund. These actions delayed discovery of the misrepresentation and non-delivery. 

I submitted a dispute and later a formal reconsideration request to Wells Fargo, including supporting documentation and a request for manual exception-based review under Visa misrepresentation and non-delivery rules. On XX/XX/XXXX, Wells Fargo denied reconsideration based solely on an internal timing threshold and did not address the submitted evidence or date-of-discovery considerations.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am disputing a XXXX XXXX  monthly maintenance fee being charged by Bank of America on my checking account. I did not agree to pay a monthly maintenance fee, nor did I knowingly open a non-free account. 

At the time the account was opened, I was not clearly or adequately informed that a monthly maintenance fee would apply. I did not provide affirmative consentwritten or electronicto any account terms that included a recurring monthly maintenance fee. I reasonably believed I was opening a free checking account. 

Only after the account was opened did a Bank of America branch representative inform me that the account carries a monthly maintenance fee. This constitutes improper disclosure and misrepresentation of account terms. Bank of America has not produced documentation showing that I agreed to this fee or that it was clearly disclosed prior to account opening. 

Despite my objections, the fee has been assessed or is scheduled to be assessed. Charging a recurring fee without clear disclosure and consumer consent is unfair and improper. 

The fee was not explained clearly at account opening. 
I was not given a meaningful opportunity to consent to a paid account. 
I dispute this fee as unauthorized and improperly disclosed.

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Contradictory paid status severe inconsistencies in financial data and uncorrected derogatory history on closed 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 non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT 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 2026-01-29 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: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
Dear XXXX XXXX XXXX, I am requesting assistance with a dispute involving both XXXX, XXXX and my card issuer, Current Bank. 

On XX/XX/year>, I placed a food delivery order through XXXX totaling {$73.00}. The order was delivered completely cold and the food bag was not sealed, creating a food safety concern and raising the risk of tampering or contamination. 

I contacted XXXX immediately to request a refund or credit. XXXX refused to provide compensation and closed the request without escalation, despite the unsafe delivery conditions. 

I then disputed the charge with my card issuer, Current Bank, for services not rendered in a safe or acceptable condition. Current Bank denied the dispute, relying solely on delivery confirmation and failing to consider the condition, safety, or quality of the food delivered. 

Delivery alone does not constitute proper service in a food delivery transaction. Both the merchant and the card issuer failed to address the food safety issue or provide a fair resolution. 

I am requesting the XXXX assistance in facilitating a review of this matter and helping obtain a refund or appropriate credit for services not rendered as promised. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have been contacting this company for a couple of years, sent dispute letters and they still continue to harass me regarding a debt that does not belong to me nor have proof that I am connected to such debt. They have removed the debt from previous disputes and have replaced this credit collection on my credit report causing me to have issues being approved for line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: PA

Complaint narrative:
Called customer service to access current balance after shopping. Phone broke and had to use daughters phone to call. They asked for a realID stating that was their new policy. I never recieved an email/letter stating as such. I am disabled/crippled and have a hard time getting around. I was red flagged due to XXXX and am having issues getting a new ID. They had multiple other ways to verify my identity which they refused to use. After XXXX days of trying to access my account, trying to get numbers to call supervisors and the main office to resolve this they told me theyd send me the rest of my money via check within XXXX calender days and will no longer work with me and forcibly closed my account. This is not the first time ive had issues with these people. Last year they kept letting someone who pretended to be me into my acct. I am on social security and need my money. This is pure negligence on their part. I wish to sue and am trying to find a lawyer currently.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: SC

Complaint narrative:
I am filing this complaint because Credit Karma has failed to resolve an ongoing identity verification issue that is preventing me from accessing my bank account and tax refund. 

For over a week, I have been going back and forth with Credit Karma customer support regarding a phone number change on my account. Each time XXXX contact support, I am told the issue will be resolved or manually reviewed. Instead, they continue to send the same automated identity verification link through XXXX XXXX, which does not work. 

The issue is that XXXX XXXX repeatedly misidentifies a valid state-issued ID card as a drivers license and rejects it as the wrong document, despite the ID clearly stating : IDENTITY CARD on the front THIS IS NOT A DRIVERS LICENSE on the back Because of this system error, identity verification can not be completed. XXXX has already confirmed via email that they can not resolve this issue directly and that Credit Karma must handle it on their end. Despite this, Credit Karma continues to send the same broken verification link instead of manually verifying the account as promised. 

Customer support responses are also severely delayed, taking XXXX days per reply, while access to funds remains blocked. 

As a result : I can not access my bank account I can not change my phone number My tax refund is being held The issue has gone unresolved despite multiple contacts I am being trapped in an automated verification loop with no resolution This is unacceptable. A financial institution should not block access to funds due to a known system failure, especially after being informed that the third-party ve

ndor can n ot resolve it. Requested Resolution : Immediate manual verification of id
entity Restoration of full account access Confirmation that the issue has been resolved and will not recur If this matter is not resolved promptly, I will be forced to pursue further complaints with regulatory agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRISis a debt collector. They are falsely reporting on my credit!! Account 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 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Earnest Inc.
State: MA

Complaint narrative:
False advertising about the interest rate. I have phenomenal credit, never missed a payment, low debt/income ratio, and make around XXXX. Constant emails saying I qualify for a fixed rate of 3.79 %. When you sign up and give all your information, the interest rate is over 2 % higher. I find this really hard to believe - again, I have phenomenal credit. I think this company should be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/year>2026 I noticed a {$6600.00} charge from my business checking account in which I absolutely did not authorize. The vendor is XXXX XXXX  and XXXX in XXXX, TX. I am in XXXX. 
After multiple calls to Huntington Bank disputing the charge, they told me today that the case is closed and I need to deal with the vendor directly. I plan on calling when they open today, XX/XX/year>2026 at noon when they open. I am beside myself as this is a large sum of money and I have multiple bills due and no way to pay them. 
Desperate for reimbursement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 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: SC

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