vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I am filing this complaint because Monterey Collection Services is reporting an inaccurate debt on my XXXX credit report ( Account # XXXX ) that I have already unsuccessfully disputed with the bureau ( Report # XXXX ). The Facts : The balance of {$21000.00} is claimed to be owed for a vocational curriculum. However, I never attended these classes and never started the curriculum. Under consumer protection laws, I should not be held liable for services that were never rendered or utilized. I previously submitted a dispute to XXXX on XX/XX/2026, providing these details. The investigation was " updated, '' but the inaccurate collection remains on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: OK

Complaint narrative:
XX/XX/year> i had two transactions from my account XXXXXXXX XXXX total and i disputed the charges but the dispute was closed i would like to get my money back. i did file a report with the police

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ACCOUNT IS REPORTING LATE PAYMENTS THAT DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY. THE INFORMATION IS MISLEADING AND DAMAGING TO MY CREDIT PROFILE. I AM FORMALLY DISPUTING THESE ERRORS AND REQUEST THAT THE ACCOUNT BE CORRECTED OR REMOVED IF IT CAN NOT BE VERIFIED.

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 2026-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 non-monetary relief
Consumer complaint received 2026-05-12 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX * * Subject : Formal Complaint Regarding Data Breach and Inaccurate Reporting * * To Whom It May Concern, I am writing to formally file a complaint against XXXX, XXXX, and XXXX due to severe inaccuracies in my credit report resulting from a data breach involving my personal information. This breach has caused significant damage to my credit score and compromised my personal data. There is also charge off and i have not been sent a XXXX for discharge of debt. There are inquires that are not tied to accounts that are not mine. * * Details of the Incident : * * - My personal information, including my name, Social Security Number ( SSN ), and address, has been exposed in a data breach, as evidenced by the attached notice I received dated XX/XX/XXXX. - I have discovered that my credit profile contains inaccurate reports, including addresses and names not associated with me. This misinformation is negatively impacting my credit score and overall financial health. * * Legal Basis for Complaint : * * Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( a ) ), it is required that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The breach of my personal data and the subsequent inaccuracies in my credit reporting are clear violations of this statute. Additionally, according to 15 U.S.C. 1681c-2, the reporting agencies are liable for damages caused by their failure to comply with the stipulations set forth regarding the accuracy of consumer information. * * Request for Action : * * I am requesting that the following actions be taken immediately : 1. A thorough investigation into the inaccuracies present in my credit report. 2. Immediate correction of all erroneous information associated with my credit profile. 3. Compensation for damages incurred due to the data breach and its effect on my credit score and personal information. * * Conclusion : * * I expect a prompt response to this complaint. Please consider this letter as a formal dispute regarding the inaccuracies in my credit report and a request for remediation of the damages incurred. I appreciate your attention to this matter and look forward to your timely response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: Chime Financial Inc
State: MA

Complaint narrative:
Yes. Money was fraudulently withdrawn from my account for a loan I didnt take. The bank refused to 1 : allowed a previously BLOCKED MERCHANT bill my account/stop payment ; 2 : denied my dispute. 3 : they issued a generic response and havent given me the information as to WHY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I couldn't speak to anyone because a claim was open but then they got judgement with out proof

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Im unable to access any of my money, which has me ready to contact a lawyer. I opened my account online without noticing I dont have a local branch and my debit card and all ways of using my funds are blocked. There has to be a way to clear this issue up. It's absolutely not okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: KY

Complaint narrative:
Radius Global Solutions is attempting to collect a {$150.00} XXXX XXXX XXXX non-return equipment fee that I previously disputed directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never responded in writing to my original dispute. My dispute explained that XXXX XXXX XXXX own published fee schedule states that non-return equipment fees do not apply to XXXX service. In XX/XX/XXXX, a prior collection agency ( XXXX XXXX XXXX ) investigated the same debt and confirmed it could not be verified, after which the account was deleted from credit reporting. After the account was deleted I was later contacted by Radius Global Solutions regarding the same alleged debt. On XX/XX/XXXX, I disputed the debt with Radius Global Solutions and requested documentation including proof that I owe the debt, authority to collect on behalf of XXXX XXXX XXXX, and the chain of assignment of the account. Radius responded only by sending a copy of the original XXXX XXXX XXXX bill showing the disputed fee. Radius did not address the core dispute or provide documentation showing that the fee actually applies to XXXX service under XXXX XXXX XXXX own policies. Radius also did not provide most of the documentation requested in my dispute. I believe Radius is attempting to collect a debt that is not owed and is continuing collection activity on a debt that has already been disputed and previously failed validation.

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 2026-05-12 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: NV

Complaint narrative:
I am filing a complaint regarding Citibanks failure to honor a valid stop payment order on my checking account. Facts : On XX/XX/XXXX, I issued check # XXXX for {$1400.00} to XXXX XXXX ( the Check ). On XX/XX/XXXX, I contacted Citibank and placed a stop payment on this Check. Citibank confirmed verbally at that time that the Check had not yet been presented for payment. On XX/XX/XXXX Citibank confirmed the stop payment in writing, including the check number, amount, payee, and issue date. Despite this, the Check was paid on XX/XX/XXXX ( the Transaction ). Citibank later admitted in writing that : The Transaction was in fact the Check ( i.e., check # XXXX for {$1400.00} payable to XXXX XXXX ). The Transaction was posted as check # XXXX due to an encoding error by the presenting bank. The stop payment failed because an incorrect check number was presented through the banking system. Citibank refused to reimburse me, stating it could not recover the funds and that I must seek repayment from the payee. I have made multiple attempts to obtain reimbursement directly from the payee ; however, as of XX/XX/XXXX, no repayment has been made, and the payee has not responded to my communications since XX/XX/XXXX. This matter does not concern dissatisfaction with goods or services. Rather, it concerns Citibanks failure to honor a valid stop payment order, which resulted in an unintended duplicate payment that the payee acknowledged and agreed to return, but has not repaid. Issue : I provided a timely and complete stop payment order with the correct check number, amount, payee, and issue date. Citibank nevertheless failed to honor the stop payment due to a processing/encoding issue within the banking system. I do not believe it is appropriate to hold the customer responsible for such an error.

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 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/year>, two unauthorized transactions totaling {$8900.00} were made from my SoFi account without my knowledge or consent using the SoFi " Pay a Friend '' system. I did not authorize these transactions, and they do not reflect any activity initiated by me. My account was accessed by an unauthorized third-party using credentials or access obtained through a combination of the SoFi data breach described below and the misuse of Plaid 's account-linking infrastructure. I saw notifications for these transactions and was on the phone with SoFi dispute and security teams within minutes, informing them of the unauthorized access of my account. However, the SoFi representatives showed no interest in any details of the breach. I have never used the SoFi " Pay a Friend '' feature and do not know the individual money was sent to. Two transactions in a matter of minutes cleared out my entire life savings. I immediately filed a police report, Consumer Report to the FTC, IC3 Complaint, and documented the unauthorized logins and transactions. On XX/XX/year>, I sent SoFi detailed documentation regarding the unauthorized account access along with all of the reports files and supporting documentation. I received confirmation via certified mail return receipts that the documentation was received by SoFi at both their corporate headquarters and XXXX dispute center on XX/XX/XXXX. SoFi, in writing, was to issue a provisional credit on XX/XX/XXXX. On XX/XX/XXXX, I called to follow-up. While on the call, they sent an email saying the investigation was complete and that the transactions were authorized. I requested a link to send them my materials digitally and did so immediately. SoFi and XXXX ( a third-party they use ) have had some highly publicized data breaches recently, and after doing some research, this Pay a Friend scam has been documented in recent news articles. According to these articles, others have lost their entire account balance and their claim is denied by default. SoFi has shown zero interest in investigating this clear fraud and unauthorized access every step of the way. They failed to provide the provisional credit required by Regulation E 1005.11 ( c ) ( 2 ) ( i ) and when I called to inquire why, they just denied the dispute on the spot.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Subject : Request for Payment History, Account Investigation and Credit Dispute Dear Citizens One Representative, I am writing regarding the joint auto loan opened on XX/XX/year>. I would like to formally request : Full payment history for this auto loan Exact number of missed payments Current loan status Copy of the original contract and loan agreement Information regarding the current vehicle registration and location Investigation of negative reporting associated with this account I also want to explain my situation. Although this loan was opened jointly, I have not had possession, control, or use of this vehicle for approximately five years. The vehicle was taken and kept by my former husband, who moved to another state with the vehicle. Since that time, I have not driven, possessed, managed, or benefited from this car in any way. I was not informed about payment status, late payments, or the handling of this vehicle and account. Because of this, I request that the account be reviewed and that my statement be added to the account and credit reporting records. Please provide : Complete payment records Dates and number of late or missed payments Remaining balance Copies of all signed documents associated with this loan I also request that this account be marked as disputed while the investigation is ongoing. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ENTERPRISE FINANCIAL SERVICES CORP
State: MO

Complaint narrative:
Enterprise Bank and Trust bought my bank in late XXXX. My previous bank charged overdraft fee of {$10.00}. XXXX charges {$30.00} which is ridiculous. How much work is there in pressing a couple of keys on a computer? I was charged {$60.00} overdraft fees for items that presented on the same day a deposit was received! I sent a secure email through my account on the portal the middle of XXXX and still have not received a response. Last week I was charged {$30.00} the same day a deposit was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XX/XX/2022 Sent via Certified Mail To : Caine & Weiner Company Inc. XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Debt Validation Request Under FDCPA 809 ( b ) To Whom It May Concern, I am requesting full validation of the alleged debt referenced above pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Please provide : 1. Original signed agreement 2. Full itemized account history 3. Proof of assignment/ownership 4. Date of first delinquency 5. Proof you are licensed to collect in my state 6. Documentation proving permissible reporting to credit bureaus Until validation is provided, you must cease collection activity and cease reporting this account. Failure to validate yet continuing to report may constitute violations of : FDCPA FCRA 623 ( a ) FCRA 611 If you can not validate the debt, delete the account from all consumer reporting agencies immediately. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: GA

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 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX, I completed a purchase at XXXX XXXX using my debit card in the amount of {$1300.00}. During the transaction, I was informed that the payment had not gone through the first time and I was asked to run the card again. That same day, both charges posted to my bank account. On XX/XX/XXXX, I received a credit for the duplicate transaction, and I believed the issue had been resolved, especially since similar duplicate pending transactions in the past had automatically corrected themselves. However, on XX/XX/XXXX, the same amount of {$1300.00} was withdrawn from my account again without authorization. I disputed the transaction and received a temporary refund on XX/XX/XXXX. Then, on XX/XX/XXXX, the funds were removed once more and later returned again on XX/XX/XXXX. Unfortunately, the issue continued. On XX/XX/XXXX, the amount of {$1300.00} was withdrawn from my account again and this time it has never been returned. I personally visited XXXX XXXX, and they showed me documentation from their system confirming that they only received payment once and that the duplicate transaction had been returned to the bank. Immediately afterward, I visited my bank seeking assistance. To my surprise, I was told they could not locate the funds and claimed the merchant should have possession of the money, despite the merchant clearly demonstrating otherwise. It has now been nearly three months that I have been attempting to resolve this matter. I have called multiple times and continue to receive conflicting information and no meaningful investigation or resolution, while I remain without {$1300.00} that was improperly withdrawn from my account. I am requesting : A full investigation into the repeated duplicate withdrawal ; Written documentation showing where the funds were sent and who currently possesses them ; Immediate reimbursement of the missing {$1300.00} if the bank can not prove the charge was valid ; A permanent resolution to prevent further unauthorized withdrawals related to this transaction. I would appreciate prompt attention to this matter. Best regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I moved to new address after being homeless.A XXXX XXXX bill went to collection. When I opened a new account for my new apartment consumers energy agreed to transfer the amount to the new account for payment in full, and removed the collections from all the credit reports. Equifax was notified that the collection was removed. Instead of removing the collections, Equifax added it to their report in error. I need all my credit reports to match, and this is interfering with my ability to get credit. This made my score go down XXXX points in one day, and that is unacceptable. I want this removed from all my credit reports immediately especially Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: CO

Complaint narrative:
SP Flex which is reported on the Better Business Bureau as a scam. {$140.00} and XXXX charge associated with " SP FLEX WRAP '' or " XXXX '' appears to be part of a subscription scam. I filed fraud charge with Huntingbank that I did not have subscription and or made any purchases with this company. My claim was denied twice as the bank is claiming that my XXXX XXXX was linked to my bank card in 2025 therefore I am responsible for any charges even if I did not authorize or know about. Huntington bank denied claim a second time with another reason stating that I approved charges through an SMS authorization. That claim is false. There is no company XXXX XXXX. All my bank accounts for Huntington were severly compromised and had to lock all activity to save my identity. This happened during the same timeline that fraudulant online charges were made against my account. Huntington claims they are my advocate to help resolve these issues, but continue to deny these fraudulant charges and want me to take the loss. Their position is that the transactions were authorized by me and therefore not covered, despite the fact that the transfers were fraud-induced, made under deception, and occurred in the context of an illegal job scheme. The bank has also taken inconsistent positions during the dispute process. Notably, I relied on guidance provided by Huntington during the dispute process, bank later disclaimed responsibility. Huntington failed to adequately investigate the fraud under EFTA / Regulation E, including failing to properly assess merchant misrepresentation, coercion, and deception.

Company response to consumer: Closed with monetary relief