vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I am filing a complaint regarding a collection account being reported by National Credit Systems on behalf of XXXX XXXX XXXX XXXX XXXX XXXX The account is being reported with a balance of {$2400.00}. I dispute the accuracy of this amount. I am a guarantor on the lease. After the tenant vacated the property, the apartment complex and National Credit Systems asserted that a balance was owed. I requested documentation supporting the amount being claimed, including : An itemized accounting of all charges Documentation supporting any reletting fees, damages, cleaning charges, or miscellaneous fees Documentation reflecting mitigation of damages Documentation showing when the unit was re-rented and any rent received from a subsequent tenant Documentation supporting the basis for the charges being reported I also disputed the account with XXXX The account was subsequently verified and continues to be reported on my credit report. Despite multiple requests, I have not received sufficient documentation allowing me to determine how the {$2400.00} balance was calculated or whether proper credits and mitigation were applied. The lease agreement requires mitigation of damages. Without documentation showing the accounting of charges, credits, and any subsequent rental activity, I am unable to verify the accuracy of the balance being reported. I am requesting that National Credit Systems provide complete documentation supporting the balance being reported and correct any inaccurate reporting. If the balance can not be substantiated with supporting documentation, I request that the account be corrected or removed from my credit file. I am seeking : A complete itemized accounting of the debt. Documentation supporting all charges included in the reported balance. Documentation reflecting mitigation of damages and any credits applied. Correction or deletion of any inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
" I requested investigation results after reporting unauthorized transactions on XX/XX/XXXX no response after XXXX days. On XX/XX/XXXX, I specifically requested IP addresses and device data for the unauthorized transactions. Cash App refused, stating 'We don't list IP addresses. ' I have received no provisional credit, no written determination, and XXXX WHAT HAPPENED ( dates, amounts, actions taken ) : Beginning in approximately XX/XX/XXXX and continuing through at least XX/XX/XXXX, an unauthorized party accessed my Cash App account and repeatedly purchased XXXX using funds from my linked Chime bank account, then immediately withdrew the XXXX to external cryptocurrency wallets. I did not authorize these transactions. The pattern is automated : XXXX of XXXX withdrawals occurred within seconds of a XXXX purchase ( gaps as short as XXXX seconds between buy and withdrawal ). XXXX % of withdrawals occurred between XXXX while I was asleep, including the single largest transaction {$1700.00} purchased at XXXX XXXX XXXX XXXX XXXX XXXX and withdrawn XXXX seconds later. Total unauthorized activity from Cash App 's own records : XXXX XXXX purchases totaling {$30000.00} XXXX XXXX withdrawals to external wallets XXXX additional undocumented outflows totaling {$18000.00} ( no transaction hash or destination provided ) {$16000.00} in XXXX that entered my account but has no record of leaving ( accounting gap ) Total documented losses : approximately {$47000.00} I independently traced XXXX withdrawal destination addresses on the XXXX XXXX. All XXXX confirmed funds flowing to large-scale cryptocurrency exchange wallets ( processing {$190.00} XXXX to {$18.00} XXXX in XXXX ). None went to personal wallets or gambling sites. Actions taken : XX/XX/XXXX : Reported unauthorized activity to Cash App support XX/XX/XXXX : Requested IP addresses and device data for unauthorized transactions ; Cash App refused, stating " We don't list IP addresses '' XX/XX/XXXX : Followed up again ; no investigation results provided As of today ( XXXX days after report ) : No provisional credit, no written determination, no investigation results no meaningful investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Per Complaint IDs XXXX and XXXX, I received a certified written communication from XXXX XXXX XXXX confirming that it would notify Midland Credit Management to remove the subject account from my credit reports. XXXX XXXX XXXX further confirmed that a copy of this correspondence was provided directly to Midland Credit Management. In reliance upon these representations, I disputed the account with XXXX Despite XXXX XXXX XXXX XXXX written acknowledgment and instructions regarding removal, I was subsequently advised that the account had been verified as valid. That determination is factually inaccurate. The account is the result of fraud, and XXXX XXXX XXXX XXXXs own actions and correspondence demonstrate its recognition of that fact, as evidenced by its agreement to have the account removed. Notwithstanding the foregoing, the account continues to be reported on my credit files with both XXXX XXXX XXXX This continued reporting persists despite clear notice of the disputed nature of the account and despite documentation establishing that XXXX XXXX XXXX directed its removal. To further document the matter, I filed an additional dispute with XXXX and submitted XXXX XXXX XXXX XXXX certified letter as supporting evidence. Nevertheless, the account remains on my credit report. The continued reporting of information that has been disputed, documented as fraudulent, and acknowledged by the original creditor as warranting removal raises serious concerns regarding the accuracy, investigation, and ongoing furnishing of this information. Given the history of this matter and the documentation already provided, there appears to be no legitimate basis for the continued reporting of this account. Accordingly, I demand the immediate deletion of this account from all consumer reporting files and databases to which it has been furnished, including but not limited to XXXX XXXX XXXX I also request written confirmation that the account has been permanently removed and that any related reporting has been appropriately corrected. I expect this matter to be resolved promptly and in full accordance with all applicable obligations governing the accuracy and reporting of consumer credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Since the beginning of 2026 I discovered from statements mailed to me from Shellpoint Mortgage Servicing that my monthly payment would change from {$2500.00} to {$1700.00}. when I checked the escrow analysis I saw that the Shellpoint Mortgage Servicing did not include any estimate for the windstorm insurance premiums as they were supposed to. I contacted the company twice and todate they have not corrected the problem. This could be intentional so we could lose our property in a foreclosure because this is a recurring problem with Shellpoint. Please help.

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 2026-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: GA

Complaint narrative:
I keep receiving text messages from a debt collector Frost-Arnett regarding XXXX debt I don't owe for XXXX XXXX XXXX I have paid them and owe XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I was made aware by XXXX XXXX XXXX XXXX there is a new collection account. I sent letters to the company Jefferson Capital Systems LLC, XXXX XXXX XXXX XXXX The company has failed to send me any information. I have never done any business with either Jefferson Capital or XXXX. I advised to both the collection agency and the XXXX major credit bureaus I have no knowledge of this account or creditor. I was a victim of ID theft in XXXX which I reported to all XXXX credit bureaus, XXXX and FTC. As well as the local police I am requesting please assist with removing this negative account from my credit reports. My attempts to resolve the matter directly has not been validated Sadly, I do not have my original report # from XXXX XXXX my ex-husband burned all my belongings after our divorce

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 explanation
Consumer complaint received 2026-06-01 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: WV

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC 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 XXXX XXXX XXXX - 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 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2026-06-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to formally notify you that, unless immediate and full reimbursement is made for fraudulent transactions totaling {$5900.00}, I will pursue legal action against both Bank of America and XXXX. This letter serves as my final demand and notice of intent to sue under Regulation E of the Electronic Fund Transfer Act and applicable state consumer protection laws.

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 2026-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
Waypoint resource group claims to be collection debt from XXXX XXXX for an address I never lived. They have not contacted me. XXXX refuses to remove the fraudulent claim. I already logged this complaint and they responded that they have withdrawn the claim but it is still on my credit reports. Thank you for submitting your complaint with Waypoint Resource Group. Your account has been withdrawn from our office. If you have any further questions please contact XXXX directly. Thank you, XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for a secured credit card with Bank of America and was approved for a {$500.00} credit limit. Before I even received or activated the card, I was charged {$450.00} for a transaction that I did not make. When the card arrived, I took the unopened envelope to the bank. A bank representative opened it in front of me and confirmed that I had not yet accessed or used the card. I immediately reported the unauthorized charge and filed a dispute. Although I explained the situation and provided evidence that I had not used the card, my dispute was denied. I filed a second complaint, but I was again informed that the charge was considered legitimate. I requested documentation and proof supporting this determination, but no evidence has been provided to me. This matter is negatively affecting both my finances and my credit history. I am requesting assistance in resolving this issue and obtaining documentation that explains why I am being held responsible for a charge that I did not authorize. Thank you for your time and attention to this matter.

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 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
This is a follow-up on complaints XXXX and XXXX. Company ( DCU ) assured that on XXXX XXXX, 2026, they mailed the lien placement paperwork to my address ( XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX ), using standard XXXX mail and that this could take up to ten business days for delivery. This document has not been received yet ( more than 30 business days ). While DCU mentioned that my original 11.49 % interest rate was reinstated on that day, I still see an 18 % on my loan on DCU banking account. Further more important is that DCU assures they will reimburse the interest charged at the default rate to the XXXX principal balance, which has not happened either.

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 2026-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: PA

Complaint narrative:
All phone lines were canceled and transferred over way before this bill was due. I canceled everything so I dont know why they are still trying to charge me for something that I do not owe all phones were paid off in full so I dont know what the debt is for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
In XX/XX/year> and again in XX/XX/year>, I applied for a personal loan through OneMain Financial. During both applications, I indicated that I did not own a vehicle when asked about vehicle ownership, as I was applying specifically for a personal loan. Despite this, both applications resulted in approvals for vehicle loans, which I am unable to accept because I do not own a vehicle and did not apply for vehicle financing. As a result, these loan inquiries and approvals are now appearing on my credit report. I believe this was an error and respectfully request that OneMain Financial investigate these applications and remove any vehicle loan-related entries associated with them from my account and credit report. Since I applied only for personal loans and accurately disclosed that I do not own a vehicle, I do not feel it is appropriate for these vehicle loan approvals to remain on my record. I would appreciate your prompt review and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/XXXX : My wife and I received two Home Depot/Citibank credit cards that we did not apply for. We immediately contacted XXXX XXXX and were informed that merchandise had already been purchased and released to an individual identified as " XXXX XXXX '' ( spelling uncertain ) at XXXX XXXX Store # XXXX in XXXX, Georgia. We were directed to XXXX XXXX Operations to initiate a fraud claim. XXXX : Despite reporting the fraud, we continued receiving statements and collection-related communications regarding charges we did not incur. XX/XX/XXXX : Home Depot/Citibank informed us that we were responsible for the account and charges. XX/XX/XXXX : During our continued investigation, we discovered a XX/XX/XXXX invoice for several XXXX dollars of unauthorized purchases and evidence of an unauthorized account sign-in attempt to from an IP address associated with XXXX, Georgia. We filed police reports with XXXX Police Department and requested information from the XXXX XXXX and Citi Bank related to the investigation and never received it. The fraudulent account has damaged our credit, generated collection activity, and caused significant inconvenience and distress.

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Issue Description : I filed for XXXX XXXX Bankruptcy pro se on XX/XX/year>. Chime Financial , Inc. was listed on my bankruptcy petition as a creditor solely due to the structural nature of the Chime Credit Builder account. However, my debt balance with Chime was {$0.00}, and I do not owe Chime any money. Upon receiving notice of my bankruptcy filing, Chime immediately closed my account and froze my remaining personal balance of $ XXXXThese funds belong entirely to me and have been officially listed on my bankruptcy Schedule C as " Exempt Property. '' Because they are exempt, the court-appointed bankruptcy trustee has no claim to them, and they are not part of the bankruptcy estate. Chime has no legal right or statutory basis to withhold these funds from me. Chimes refusal to release my {$1000.00} is causing me severe, immediate financial hardship. Furthermore, Chime has a documented history of illegally delaying consumer refunds on closed accounts, for which they were previously penalized by the CFPB. I have already sent a formal Demand Letter and Notice of Intent to Sue to Chimes Legal Department ( XXXX ). I am requesting that the CFPB intervene immediately to compel Chime Financial , Inc. ( and its partner banking institution XXXX XXXX XXXX ) to release my exempt funds and mail me a paper check for my full {$1000.00} balance without further delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am filing this complaint against Chase Sapphire Preferred Credit Card regarding a disputed charge of {$5600.00} for a XXXX XXXX cruise booking. My wife and I booked a cruise before her XXXX was confirmed. Upon confirmation of her XXXX, we discovered that XXXX XXXX 's own policy prohibits pregnant guests from sailing past 24 weeks. This policy made it impossible for my wife to board the vessel through no fault of our own. I opened a dispute with Chase requesting a full cash refund on the grounds that the merchant 's own policy prevented delivery of the service we paid for. Chase has denied my dispute stating that XXXX XXXX 's offer of a Future Cruise Credit constitutes adequate reimbursement. I disagree for the following reasons : -We paid {$5600.00} cash for a service that could not be delivered due to the merchant 's own policy restrictions -A Future Cruise Credit forces us to use the same cruise line whose policy prevented us from sailing -Accepting store credit instead of cash reimbursement for an undeliverable service is not adequate compensation -The FCC deadline is XXXX days away creating undue pressure to accept inadequate compensation I am requesting Chase honor my dispute and issue a full cash refund of {$5600.00}

Company response to consumer: Closed with explanation