vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: CT

Complaint narrative:
box : My XXXX account was officially cancelled on XX/XX/XXXX. On XX/XX/XXXX, a final payment of {$89.00} was processed and cleared directly with XXXX , which completely satisfied the final statement balance and brought the account balance to a true {$0.00}. A debt collector, Source Receivables Management , LLC ( XXXX ), recently sent a collection notice attempting to collect an alleged balance of {$100.00}. I formally requested debt validation. XXXX replied with a letter dated XX/XX/XXXX. In their own letter, XXXX explicitly explicitly admits that they see the account termination date of XX/XX/XXXX and acknowledges that my final payment of {$89.00} was processed on XX/XX/XXXX. To justify the {$100.00} collection balance, XXXX attached automated XXXX statements from XXXX. However, these statements explicitly list " Total number of lines : XXXX '' and show {$0.00} in charges for plans, data, text, or equipment. The entire alleged balance consists of automated {$10.00} late fees that XXXX computer system has been tracking onto a closed, fully paid account. On XX/XX/XXXX, I sent a formal legal rebuttal via USPS Certified Mail ( Tracking # XXXX ) notifying XXXX of this blatant billing error, providing my concrete payment receipt, and demanding they cease and desist all collection actions. I am uploading the clear XXXX payment confirmation, XXXX 's XXXX attempt, the XXXX zero-line statements, and my certified mail receipt as proof. I request that XXXX immediately close this unverified collection file and ensure it is never reported to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year>, I contacted Fifth Third Bank about unauthorized withdrawals that were taken from my Fifth Third Savings account in the previous few days that totalled {$100000.00}. I filed a dispute and gave necessary information. They gave me a case number and assured me the funds would be returned to me within 10 days. They told me they would freeze my accounts. I then went to my closest branch and closed my checking and savings accounts, and ordered a new debit and credit card. My balance in my checking was transferred but not the remaining money in my savings. Since then, they have credited an additional amount but not to my new account. The next day, another withdrawal posted to my old savings account ( even though it was froze ) and I opened another dispute. I told the customer service rep that I was so upset and she said rest assured, the money will be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 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 formally deny responsibility for the listed accounts and do not recognize ownership. Please review carefully and remove them once validated. Documentation is provided. estigate fully and delete them once confirmed. Supporting evidence is attached.

Company response to consumer: In progress
Consumer complaint received 2026-06-09 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: FinCo Services Inc DBA Current
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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against Bank of America regarding a {$4600.00} electronic payment intended for the IRS. The payment initially appeared in my Bank of America account as deducted/processed. Based on that account display, I reasonably believed the IRS payment had been completed. I also made sure funds were available because I received additional deposits around that time, including a {$3500.00} XXXX payment on XX/XX/year>, a {$4200.00} payroll deposit on XX/XX/year>, and a {$1100.00} XXXX payment on XX/XX/year>. After the IRS payment appeared deducted/processed and my displayed balance appeared to be approximately {$6500.00} or more, I moved funds and paid other bills based on the balance Bank of America showed me. I did not move funds until after the account appeared to have enough money and after I believed the IRS payment had already been processed. I later discovered a Bank of America notice dated XX/XX/year> stating that the {$4600.00} electronic payment was not paid and was returned. I did not receive a clear real-time notification, app alert, email, text, or phone notice that this IRS payment had been returned. I only discovered the notice later, which prevented me from correcting the issue immediately and may have increased IRS penalties, interest, and other damages. This caused direct financial harm because I relied on XXXX XXXX XXXX account display showing the payment as deducted/processed and showing an available balance that appeared sufficient. If the payment was not final or was at risk of being returned, Bank of America should not have displayed the balance in a way that caused me to believe the IRS payment had cleared, or Bank of America should have clearly and timely notified me when it was returned. I am requesting that Bank of America investigate this matter and make me whole by reimbursing any IRS returned-payment penalty, late-payment penalty, interest, or other direct financial damages caused by the transaction display and lack of timely notification. I am also requesting that Bank of America provide a written explanation of the full transaction timeline, including when the IRS payment was initiated, when it appeared deducted/processed, when it was returned, the ACH trace number, the ACH return code, how Bank of America calculated available funds, and proof of when and how Bank of America notified me that the payment was returned.

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 2026-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
So this company is reaching out regarding a debt thats old this account was opened in XXXX closed in XXXX its now XXXX under the With Negative History : If the card was charged-off or had missed payments, the negative marks fall off your credit report after 7 years A collection letter by itself does not mean they can legally collect through a lawsuit, especially if the debt is over XXXX XXXX XXXX. If you're in California and the debt has had no payments or acknowledgments for more than 4 years, it may be time-barred ( past the statute of limitations ). Collectors can still send letters requesting payment, but they generally can not win a lawsuit if the statute of limitations has expired and you raise that defense. I live in California so this company is harassing me

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: 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: NY

Complaint narrative:
I applied for an Ink Unlimited card from Chase on XX/XX/XXXX online. The credit decision was seemingly left in a limbo, so on XX/XX/XXXX I visited a bank branch in XXXX. I told them that I'd applied for a card and wanted to see if they needed additional information to help process it- it is a business card and the information requests were a bit vague. After validating my personal information at the branch, they queried the system and told me that the application I put in was no longer there, and recommended that I apply for a new card since they had more latitude with a branch application. I asked several times whether the application was now void, and it was confirmed by the two bankers who were assisting me. I also asked whether I would end up with two credit pings, and they assured me that would not occur. At their behest, I completed the application for a new card, the ink premier. The next day, I received an email approval for the first card, the Ink unlimited. Shortly thereafter a second account was opened for the XXXX XXXX card. I immediately flagged the mistake, and my credit received two hard pings for the two accounts, which was not authorized with the bankers. They have closed the first Ink Unlimited card, and I have been requesting that one of the hard pings be removed. Unfortunately, I have been unable to get a complaint filed since despite five attempts, as follows. XXXX ) XXXX XXXX ( XXXX XXXX XXXX said he escalated the complaint on XX/XX/XXXX. XXXX ) Also on XX/XX/XXXX, XXXX directed me to call the customer service line ( XXXX ) who told me I was unable to file a complaint directly and needed the branch to do so. XXXX ) XXXX XXXX ( XXXX XXXX ) put in a complaint on XX/XX/XXXX. The credit investigation team called me, but asked from my full SSN without providing any other verification method. When i told them i was uncomfortable doing so, they told me to call the number on my card and request the credit bureau. XXXX ) On XX/XX/XXXX, when I called the number on my card and spoke to the credit bureau, they could not find the complaint and again informed me that customers were unable to file a complaint, and it needed to be originated from the bank. XXXX ) Yesterday, on XX/XX/XXXX in the branch with the XXXX. XXXX ( XXXX XXXX ), I again communicated my desire to file a complaint. After an hour plus with various reps, he were still unable to file the complaint, nor receive a reference number. They are effectively barring me from filing a dispute, in direct violation of FCRA regulation for behavior that fits squarely under UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase is maintaining a locked online profile containing my personal information. I have no open accounts with Chase. Customer service refuses to unlock or delete the profile because I am not a customer. I want Chase to purge my online profile and personal data. My name is XXXX XXXX. XXXX XX/XX/year> I have not had an account with chase for over XXXX months but they still won't delete my online profile, they just have it locked

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX Date : XX/XX/year> RE : FORMAL FCRA DISPUTE AND REQUEST FOR METHOD OF VERIFICATION To Whom It May Concern : I am writing to dispute inaccurate and unverified information currently appearing on my consumer credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ). After reviewing my credit file, I have identified accounts that are incomplete, inaccurate, unverifiable, or reported without sufficient documentation. I dispute the following accounts : XXXX. Credence Resource Management Account Number : XXXX Reported Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1900.00} XXXX. XXXX Account Numbers : - XXXX - XXXX - XXXX I request that your agency conduct a reasonable reinvestigation and provide competent documentary evidence supporting the reporting of these accounts. Specifically, please provide : The name, address, and telephone number of every furnisher contacted during your investigation. The method of verification used. Copies of any documents relied upon to verify the accounts. The date and manner in which the information was verified. Documentation establishing the accuracy of the reported balances, dates of first delinquency, payment histories, and ownership of the accounts. The report contains indications of prior disputes and multiple entries reflecting irregular reporting information. I therefore request heightened scrutiny during reinvestigation. If the information can not be verified through competent documentary evidence, I demand deletion pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). Please send me written confirmation of the results of your investigation along with a corrected copy of my credit report. This correspondence is not an acknowledgment of liability and shall not be construed as a promise to pay. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Bank of America 's handling of my request for financial hardship assistance. I currently have a credit card balance of approximately {$22000.00}. The promotional balance transfer rate expired in XX/XX/year>, and my minimum payment is now over {$500.00} per month. I have remained current on my account and contacted Bank of America proactively because I am experiencing financial hardship and am concerned about my ability to continue making these payments. Bank of America 's website advises customers experiencing financial hardship to contact the bank to discuss available assistance options. Based on this information, I called seeking assistance, including the possibility of a reduced interest rate, reduced payments, or another hardship accommodation. However, I was informed that Bank of America could not provide any hardship assistance and instead referred me to nonprofit organizations that could negotiate with the bank on my behalf. I was not provided with a clear explanation of why I was ineligible for assistance or what criteria were used to determine that no assistance was available. I am not disputing the debt and I am not seeking to avoid my obligations. I am trying to work directly with Bank of America before falling behind on my account. I believe it is unreasonable to advertise hardship assistance for customers experiencing financial difficulties and then provide no meaningful review or explanation when assistance is requested. My goal is to continue paying my debt and avoid delinquency, and I am seeking reasonable assistance from the bank during this period of financial hardship.

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 2026-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I am formally disputing this collection account because I have no knowledge of this account and believe the information being reported is inaccurate. The account is reporting a date opened of XXXX XXXX, which I dispute as incorrect. I do not recognize this account and I have not been provided documentation showing that I am legally responsible for this alleged debt. I requested the furnisher provide complete verification of this account including the original contract or Service agreement, billing records, proof that debt belongs to me and documentation supporting the reported dates and account information.

Company response to consumer: In progress
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
I am filing a formal complaint against Halsted Financial Services , LLC ( California License Number : XXXX ) for severe, willful, and systematic violations of the FDCPA [ 15 U.S. Code 1692g ] and the California Rosenthal Act. On XX/XX/year>, I sent a formal written dispute, debt validation request, and a good-faith settlement offer via USPS Certified Mail regarding collection reference number XXXX ( Original Creditor : XXXX XXXX XXXX Account No : XXXX ). USPS tracking confirms Halsted received and signed for this legal notice on XX/XX/year>. Under federal law, Halsted was required to immediately freeze all collection activities and communication until they mailed me proper validation of the debt. Instead, Halsted has completely ignored the active legal dispute window and has engaged in aggressive electronic harassment. They have blasted me with exactly XXXX automated collection emails per day on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. Furthermore, on XX/XX/year>, they escalated this harassment by sending an automated collection text message to my personal cell phone. All of these communications continue to demand payment and level high-pressure " PRE LEGAL STATUS '' threats regarding attorney referrals. I have attached clear evidence that the original creditor, XXXX XXXX, had formally valued this deficiency balance at exactly {$2600.00} to satisfy the account in full. Halsted is completely ignoring this history, bypassing federal dispute timelines, and harassing me daily. I request that the CFPB investigate Halsted Financial Services immediately. I require them to cease all automated, electronic, and telephone communications, freeze collection activities, and formally respond to the written settlement and pay-for-delete terms outlined in my original certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have never applied for anything, nor done business with CAPITAL ONE. There is a report on my credit from CAPITAL ONE from XX/XX/year> in the amount of {$730.00}. I have never received any correspondence nor communication from this company regarding this credit card, etc and have no idea how to contact them on an account I've never opened. This account is fraudulent as I have never received funds of any kind from CAPITAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: PR

Complaint narrative:
I tried to get documents related to my loan account from Ally Financial. I logged on their website and all of my statements and account information had been removed. I refinanced my car out of their institution less than 3 months ago. I called their help line and was told I could not have access to my account information or any of my statements and that they would review my request and action may be taken in XXXX business days. Their call center is in the XXXX. The supervisor refused to provide any identification.

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 2026-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shepherd Outsourcing, LLC
State: TX

Complaint narrative:
I received a notice alleging that I owe a debt in the amount of {$2100.00} from a third-party debt collector. The notice informed me of my right to dispute the debt, and I exercised that right within the 30-day validation period. Within that timeframe, I requested full debt validation, including : The name and address of the original creditor The complete original account number An itemized breakdown showing how the {$2100.00} balance was calculated Copies of any contract, application, or agreement bearing my signature establishing a legal obligation to pay Proof that the collector has legal authority to collect the debt, including the complete chain of assignment The date of default and the date the debt was allegedly charged off In response, the collector sent a large envelope of documents ; however, the contents were not responsive to my request. The documents largely consisted of repeated copies of the same limited information, seemingly included multiple times to make the package appear more substantial. The materials did not provide the required validation or itemization of the debt. Additionally, one of the statements provided appeared to show that the balance prior to closure was significantly lower than the amount now being collected. Even after accounting for fees and adjustments, there remains an unexplained discrepancy of approximately {$730.00} with no explanation or breakdown provided. After receiving these incomplete and duplicative documents, I again requested proper validation of the debt or that all collection activity cease, including reporting to credit bureaus. This follow-up was ignored. Despite the lack of proper validation, the collector continues to send settlement and collection-related communications. At no point have they provided the documentation necessary to substantiate the debt or explain the amount being collected. I am requesting assistance in addressing this matter, including requiring the collector to provide proper validation or to cease collection activities and remove any related reporting.

Company response to consumer: Closed with explanation