vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to formally report and dispute unauthorized charges made through the fraudulent use of my personal bank account information to pay a third partys XXXX XXXX utility bills. In XX/XX/year>, I discovered that my Chase bank account had been used without my knowledge or consent to pay XXXX XXXX charges associated with an account that does not belong to me. I am a XXXX XXXX customer myself ; however, the fraudulent charges were applied to a completely different XXXX XXXX account linked to another individual, with whom I have no personal or financial relationship. The total financial loss resulting from these unauthorized transactions amounts to {$290000.00} USD. I have contacted Chase Bank, which confirmed that these payments were unauthorized. Due to the delayed discovery, only the most recent transaction was reversed. I have since filed a police report regarding this identity theft and financial fraud. FTC Report number XXXX. I provide a copy of the fraudulent XXXX XXXX bill showing the name ( XXXX XXXX ) I can provide the following supporting documentation : - Bank statements evidencing the unauthorized withdrawals - Proof of my identity and address At no point did I authorize XXXX XXXX or any third party to link my bank account to another customers utility account. XXXX XXXX acceptance of payments from my bank account without verifying the account holders identity constitutes a failure of internal controls and due diligence. This is what I asked to XXXX by paper mail, and they never replied : - Full reimbursement of the unauthorized charges totaling {$2900.00} USD - Written confirmation that my bank information has been permanently removed from any account other than my own - Confirmation that no adverse marks exist on my XXXX XXXX customer file as a result of this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been charged {$230.00} for 3 late mortgage payments. I paid electronically using XXXX XXXX XXXX. Fifth Third claims payment pressed on the XXXX. XXXX has verified in writing payments were delivered electronically on or before the XXXX. There is a problem with how Fifth Third posts electronic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
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: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/year> I went to XXXX XXXX XXXX at the XXXX XXXX on XXXX XXXX here in XXXX XXXX XXXX to withdraw {$2100.00}. The maximum amount of the XXXX I can withdraw per transaction is {$300.00} on XXXX transactions. Only {$100.00} was dispense each time I filed a dispute on XX/XX/XXXX and today XX/XX/XXXX. Ive received a notice that the claim was denied the claim was also denied on XX/XX/XXXX. I was told I would be issued by refund on XX/XX/XXXX and XX/XX/XXXX XXXX totaling {$300.00} and the other totaling {$100.00} because the amount that was not dispense equal {$400.00}. I spoke with the supervisor twice and was told to be rest assured that I will receive my money and then today I called them and I was treated horribly. I was told that unfortunately there was nothing I can do about it. No error had occurred and Im very frustrated that they steal peoples money and then drag them in circles just to make it seem like they actually care about their clients. The XXXX I spoke to today told me there was nothing that they can do about it, and he hung up in my face. This is fraud, and this goes against all the rules by the government or any state in which someone holds their money in an account. I work hard for my money and this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rosen Harwood, P.A.
State: MS

Complaint narrative:
To Whom It May Concern, I am formally disputing the actions taken regarding the alleged replevin and collection matter associated with this property and account. I did not receive proper notice of any replevin action by certified mail, registered mail, regular mail, or personal service. I was never properly served notice of any court proceeding, yet a court date was apparently scheduled and/or actions were taken without my knowledge. Additionally, notice and private account information were allegedly provided to an elderly individual residing over XXXX miles away who is over XXXX XXXX XXXX, does not manage my financial affairs, and has no authority or understanding regarding my mortgage or property matters. I believe this disclosure may have been improper and unauthorized. Furthermore, this manufactured home and related property interests are subject to UCC-1 filings and protections associated with my standing trust. I am requesting that your company review, acknowledge, and respond to the following filings : UCC-1 filing recorded in XXXX XXXX XXXX Georgia in XXXX Current active UCC filings associated with this property and trust I request copies of all documents relating to this matter, including but not limited to : Proof of service Copies of all notices allegedly mailed or delivered Dates and methods of service Court filings and case information Documentation supporting your legal authority to proceed against this property Until proper verification and documentation are provided, I dispute the validity of these proceedings and request that no further action be taken against this property. Please respond in writing only.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing a complaint regarding a promotional savings offer advertised by Marcus by Goldman Sachs that I believe is misleading and was not honored despite my full compliance with the stated requirements. On XX/XX/year>, I opened a new savings account after seeing a promotion on the companys website offering a {$1500.00} bonus if {$100000.00} or more in new funds were deposited and maintained for XXXX calendar days. On the same day ( XX/XX/year> ), I deposited {$150000.00} into the newly opened account, exceeding the stated requirement. I have maintained this balance continuously in accordance with the promotional terms. As the XXXX period approached, I contacted customer service to confirm the expected bonus payout date. Based on the XXXX requirement, I understood that XX/XX/year> would be the eligibility date. During this inquiry, I was informed by a customer service representative that I was not eligible for the bonus because I had not activated the offer. This was the first time I was made aware of any such requirement. At no point during the account opening process - after clicking through the promotional offer on the companys website- was there any clear or explicit instruction requiring a separate activation step. I proceeded directly from the promotional page into the account opening flow and completed the deposit under the reasonable belief that I had satisfied all conditions. In reliance on this promotion, I also referred this offer to XXXX ( XXXX ) friends and family members, further demonstrating that the promotion appeared legitimate, clearly presented, and actionable without additional undisclosed steps. I believe this constitutes misleading advertising, as the requirement to activate the offer was not clearly disclosed during the customer journey. The promotion induced me to deposit a substantial amount of funds ( {$150000.00} ) under terms that are now being retroactively modified or enforced without adequate disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I discovered an American Express account reporting on my credit report with a balance of approximately {$9700.00} and past due amount of {$7300.00}. This account appears to be a corporate account, and I never agreed to be personally liable for this debt. The account was reportedly opened on or around XX/XX/XXXX and closed on XX/XX/XXXX. I disputed this account with the credit bureau because I do not believe this debt should be reported under my personal credit profile. I am requesting that American Express and the credit reporting agencies investigate this matter, provide proof of personal liability, and remove any inaccurate reporting from my consumer credit file if they can not verify that I personally guaranteed this account.

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

Complaint narrative:
I am rejecting the response provided by Radius Global Solutions, XXXX. The documentation they have provided does not constitute proper debt validation under the FDCPA. The attachment provided ( File : XXXX XXXX ) is simply a generic, current bill summary page issued on XX/XX/2026, which merely restates a lumped-together " past due '' balance of {$1800.00} carried over from a previous period. Radius Global Solutions has failed to provide any original, itemized billing statements, contracts, or a breakdown of services showing how this alleged balance was calculated by the original creditor. Merely printing a summary sheet with a lump-sum total does not prove the accuracy or validity of the debt being reported. I am formally requesting that Radius Global Solutions provide the original, itemized historical statements detailing the actual dates of service and specific account charges that comprise this {$1800.00} balance. If they can not produce the itemized verification from the original creditor to prove this specific amount is accurate, this inaccurate tradeline must be completely deleted from my credit reports 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 non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Midland, XXXXXXXX XXXX XXXX XXXX, Account number : Dear ( Debt Collector ), I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. Best, XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: GA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This debt collector agency Portfolio Recovery has been reporting false information through my credit profile since XXXX. I asked them about a debt validation letter or card agreement, but they never send me anything. They send me a proposed Payment plan on the amount of {$3700.00}. Proof of Ownership, Statute of limitations, the debt is from XXXX, making it time bared under Fla.Stat 95.11 ; Portfolio claims is for XXXX is flagged as a material discrepancy even in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
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: IL

Complaint narrative:
I am filing a formal complaint against my financial institution for violating the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX by failing to conduct a " reasonable investigation '' into documented merchant fraud and improperly closing a legitimate dispute. On XX/XX/year>, my prepaid debit card was charged {$980.00} by a XXXX XXXX franchise in XXXX XXXX, IL. The merchant failed to render services, placing us in an uninhabitable room with a severe plumbing and biological hazard. When we demanded the hazard be fixed, property management forced a retaliatory eviction under threat of law enforcement and refused a refund. To cover up the eviction and retain the {$980.00}, the merchant intentionally falsified their internal corporate records to show a " voluntary check-out. I opened a dispute for the transaction. I explicitly notified the financial institution that the merchant was committing fraud and using falsified checkout receipts. I offered to provide a documented paper trail and evidence of the hazard and the cover-up. Instead of conducting a reasonable investigation, the institutions automated system blindly accepted the merchants falsified receipt at face value and declined my dispute without reviewing any of my counter-evidence. When I called support to escalate the issue, open a rebuttal, and request the merchant 's documentation ( which I am legally entitled to review ), the representatives refused to assist me or reopen the investigation. Formal complaints regarding this specific transaction and the merchant 's falsification of records are currently active with the Illinois Attorney General, the Federal Trade Commission ( FTC ), and the corporate entity of the merchant. By refusing to review my evidence, refusing to provide the merchant 's documentation, and blindly accepting falsified records, this financial institution is actively facilitating financial fraud. I expect a full investigation by a XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: TX

Complaint narrative:
I am submitting this complaint regarding a disputed toll collection account and misapplied payment for a payment I made XX/XX/XXXX. I previously contacted Penn Credit by phone to pay a toll-related balance associated with XXXX. I made a payment through their phone system and received a payment receipt/confirmation from Penn Credit indicating the payment was accepted. A year later I get a bill from my lease provider saying we owed amount I paid last year. I called XXXX in early XX/XX/XXXX and was informed that the account still shows an unpaid balance and stated they did not receive the payment. I was directed back to Penn Credit. When I contacted Penn Credit again, I was given conflicting explanations, including that the payment may have been applied to the wrong account or ID number. However, Penn Credits system has also indicated the account as paid in full, creating further inconsistency. The account was later transferred to another collection agency, XXXX, in XXXX of XXXX and I am now being told I may still owe the balance despite having proof of payment. At this time, I am disputing the debt because : I have proof that payment was made and accepted by Penn Credit. I was issued a receipt confirming the transaction. I have received conflicting information from Penn Credit and XXXX regarding whether the payment was applied. I have not been provided clear documentation showing that the payment was reversed, rejected, or refunded. I am requesting an investigation into where my payment was applied, why it was not properly credited to my account, and why I am still being pursued for the same balance despite proof of payment. I am also requesting that collection activity be paused until this issue is fully resolved and properly documented.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing a formal complaint against Experian for a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c. Experian is currently reporting an obsolete, expired collection account on my credit file. The collector ( U.S. Department of the Treasury ) recently placed this item on my report for a legacy debt that originates from a civilian employee pay period ending XX/XX/XXXX. Under the FCRA, negative collection accounts must be completely excluded from a consumer 's credit file after 7 years from the Date of First Delinquency. The legal credit reporting window for this XXXX debt permanently expired in XXXX. I already submitted a formal dispute directly to Experian last week and uploaded the official XXXX XXXX XXXX XXXX XXXX ( XXXX ) Debt Notification Letter. This official government document explicitly states on page 1 : " you were overpaid for pay period XX/XX/XXXX. '' Despite having ironclad written government proof that this debt is over XXXX XXXX XXXX and legally unreportable, Experian 's automated system rejected the document as " insufficient '' and closed my dispute. Experian is allowing illegal " account re-aging '' by letting the collector use a later administrative notice print date ( XX/XX/XXXX ) to make an expired XXXX debt look brand new. This error has caused my credit score to drop by XXXX points. Furthermore, XXXX mailed this XX/XX/XXXX letter to an address I legally moved out of in XXXX, meaning the government failed to properly notify me of this legacy issue before sending it to collections. Because Experian customer service has already rejected my direct dispute, I am requesting that a human compliance investigator manually review the attached XXXX letter, verify the XX/XX/XXXX delinquency date, and permanently delete this obsolete collection account from my file 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 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Northstar Location Services, LLC
State: MS

Complaint narrative:
To W hom It May Concern, I am disputing the validity and accuracy of the alleged debt referenced in your correspondence. Please provide the following information in writing : The name of the original creditor The date the debt was allegedly incurred The amount of the original debt Documentation showing that I am legally responsible for this debt Documentation showing your legal authority to collect on this account The date the account was transferred or purchased by your company To the best of my knowledge, any valid debt associated with this matter should have been included in and XXXX through XXXX XXXX. In addition, I have been unable to obtain proper verification or supporting documentation regarding this alleged account. Furthermore, I do not recognize your company as a creditor, nor do I believe I have ever had a direct account or agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt. If you can not provide proper verification, I request that you cease all collection activity and stop sending correspondence to my address regarding this matter.

Company response to consumer: Closed with explanation