vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Property Receivables, Corp
State: WA

Complaint narrative:
I am filing this complaint regarding Property Receivables Corp and their handling of an alleged collection account being reported on my credit reports. I have attempted to request validation of this alleged debt and specifically requested that all communication and documentation be provided to me in writing through the mail at my current mailing address. Instead, the company appears to rely on email communication and has not properly provided a mailing address for sending written correspondence and dispute documentation. This has made it extremely difficult for me to exercise my rights under FDCPA 809, which gives consumers the right to request validation of alleged debts. I should be able to communicate and receive validation through written mailed correspondence so I can properly maintain records and documentation related to this matter. I requested documentation including : the original creditor information, proof the debt belongs to me, proof of assignment or ownership, an itemized balance, and documentation showing the company has the legal authority to collect. In addition, I have noticed what appears to be additional charges or balance increases being added to this account approximately every XXXX days without my authorization and without any explanation or supporting documentation being provided to me. I have not agreed to these additional charges, and I have not received any accounting showing how these amounts are being calculated or why the balance continues changing. I believe continuing to report increasing balances without proper documentation or authorization raises serious concerns regarding compliance with FCRA 607 ( b ), which requires maximum possible accuracy, as well as FDCPA 808 regarding unfair or unauthorized collection amounts. Despite my requests, the account continues to be reported on my credit reports without proper written validation being mailed to me. I also believe it is unreasonable and unfair for a collection company to continue reporting disputed information while limiting consumers to email-only communication and failing to clearly provide proper mailing information for written disputes and validation requests. I am requesting that Property Receivables Corp : provide proper written validation by mail, provide a complete accounting of all added charges and balance increases, cease reporting any unauthorized or unverifiable amounts, delete any unverifiable tradelines, and address the damages caused by continued reporting of disputed information without adequate validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
b'first notice to macys citibank was on XXXX XXXX XXXX of the unauthorized charge for XXXX\nXXXX notice was on XXXX XXXX XXXX\nXXXX notice was on XXXX XXXX XXXX \n\nmacys credit card services\nCitibank, N.A., \nXXXX XXXX XXXX XXXX XXXX XXXX.\n\nXXXX\n\nSubject: Third Dispute Unauthorized Macys Charge and Incorrect Account Balance\n\n\nTo Whom It May Concern,\n\nThis is my third dispute regarding the unauthorized charge of XXXX dated XXXX XXXX XXXX on my Macys/Citibank account. I previously reported this transaction and was under the impression that Macys Credit Card Services and Citibank were investigating the matter. However, I never received any temporary or permanent credit, nor did I receive any clear explanation regarding the outcome of the investigation.\n\nBecause this unauthorized charge was never properly resolved, the balance on my account became incorrect. I do not understand why this account was closed when I did not owe this debt. In fact, my last payment was XXXX, which exceeded the disputed amount, and based on my records, Macys actually owes me money.\n\nI am requesting the following:\n\nA full reinvestigation of the unauthorized transaction.\nWritten documentation of the prior investigation results.\nCorrection of the account balance.\nRemoval of any negative reporting associated with this disputed amount.\nReimbursement or credit for any overpayment made on the account.\n\nXXXX. Failure to Conduct a Reasonable Investigation\nUnder FCRA 1681s-2(b), furnishers must conduct a meaningful investigation.\nIn Johnson v. MBNA America Bank, the court held that merely confirming internal \nrecords is insufficient.\nIn Cushman v. Trans Union Corp., the court required a genuine reinvestigation beyond\nsuperficial verification.\n\n\nPlease review this matter immediately and provide a written response as soon as possible.\n\nSincerely,\nricardo pimienta\nAccount Number XXXX\n\n\n------------------------------------------------------------------------------------------------------------'

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 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/XXXX my bank account was garnished for the amount of XXXX. I was not properly served for this garnishment. On XX/XX/XXXX we had a court hearing and the company kept the funds that were seized out of my bank account and is also prompting me to set up monthly payments. This company is not the original debt collector

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I redeemed my Membership Rewards points for XXXX XXXX XXXX before closing my account ( account was closed on XX/XX/year> ). I purchased the following gift cards : XX/XX/year> : 3 x {$100.00} XXXX Gift Cards ( {$300.00} total ) XX/XX/year> : 1 x {$50.00} and 1 x {$100.00} XXXX Gift Cards ( {$150.00} total ) Total : {$450.00} After my account was closed, the links to access these gift cards stopped working. I contacted American Express multiple times by phone and chat but was transferred between departments without resolution. American Express refused to provide the serial numbers of the gift cards. I also contacted XXXX XXXX ( Case ID : XXXX ) and they confirmed they need the serial numbers from American Express to help me access the gift cards. These gift cards were purchased before account closure and belong to me. The cancellation disclosure only mentioned forfeiture of unused points, not gift cards already purchased. I am requesting that American Express provide the serial numbers for all gift cards totaling {$450.00}, or issue a full refund of {$450.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I dispute this alleged debt in its entirety. I previously provided documentation establishing that I was the victim of identity theft, including a police report. The prior lawsuit regarding this matter was dismissed by the court. Continued attempts to collect this disputed fraudulent debt may constitute violations of the Fair Debt Collection Practices Act and Fair Credit Reporting Act.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
Acima has an account under my name with a balance of XXXX dollars. I did not apply for a loan nor did I purchase anything using Acima. I live in Ohio and the purchase was made in Florida XX/XX/year>. Acima told me it was an XXXX XXXX XXXX XXXX purchase from a retailer named XXXX XXXX XXXX XXXX XXXX XXXX. The company has not taken any action yet but they want me to file a police report, I filed the police report and a complaint before but they lied saying that I received a text message to sign for the purchase. Acima if I was indeed the one making this purchase, why do you quickly close the account that had a balance of {$3400.00} to {$0.00}. You know you got caught.This company stole my identity and Im not the only one with the same issue. Im taking legal action. I now found out that acema steals peoples information in the dark web and In my report it shows that my information was indeed in the dark web. This company needs to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: CO

Complaint narrative:
THE REPORTED LATE PAYMENTS ARE INACCURATE AND DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY.

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 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
THE REPORTED LATE PAYMENTS ARE INACCURATE AND DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY.

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 2026-05-27 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: CA

Complaint narrative:
I am using Chase bank service. All of the unauthorized transactions occurred between approximately XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. During this period, there were around 15 separate transfers made from my checking account, all with different amounts, resulting in more than {$3000.00} being completely withdrawn from my account. These transactions occurred during the holiday weekend. As soon as the long weekend ended on XX/XX/XXXX, I immediately went to the bank and requested that these transactions be canceled because they were still showing as pending at that time. However, I was informed that the bank could not stop the transactions and that I would instead need to file a fraud claim so the bank could contact the receiving company and receiving bank regarding the fraudulent activity. I want to clearly state that I did not authorize, initiate, or approve any of these transfers. In fact, I do not even know what this website/company is, nor have I ever used their services. Additionally, I never received any transaction alerts, transfer confirmations, or fraud notifications regarding these activities, which is also extremely concerning to me. Normally, I would expect the bank to notify me immediately regarding unusual transfer activity or withdrawals from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a formal complaint against Wells Fargo regarding Claim Number XXXX and Transaction Reference ID XXXX for {$2000.00}. Wells Fargo has issued me a denial on my claim, stating that I authorized the payment. However, this was an induced account-takeover imposter scam, which is covered under XXXX network fraud rules. A fraudster compromised the social media profile of a friend, faking a family tragedy to list high-value items for sale. Believing it was my friend, I messaged the suspect via phone number ( XXXX ) XXXX, and they instructed me to send {$2000.00} XXXX deposit from my business account to the email XXXX. On Thursday, XX/XX/year>, at XXXX XXXX, the fraudster explicitly texted my device confessing to tracking the transaction and stalling a refund, stating : " Yes, remember yours needed to be authorized. So I guess that's why it's pending. Furthermore, after stealing my funds, the suspect kept the fraud ring live and posted the exact same advertisement again on Friday, XX/XX/year>, at XXXX XXXX to target new victims. I have officially logged this cybercrime file with the FBI 's Internet Crime Complaint Center under Submission ID : XXXX. I emailed a comprehensive file of 25 unedited, timestamped chat screenshots proving this criminal confession directly to the bank 's escalations team on XX/XX/XXXX. Wells Fargo is ignoring a direct criminal confession and failing its network obligations to reimburse qualifying imposter scam victims. I request a high-level compliance review and a full reimbursement of my {$2000.00}.

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 2026-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I opened a savings account with Marcus by Goldman Sachs XXXX XX/XX/year> and transferred {$100000.00} from my XXXX XXXX XXXX account ( under the same name, my own name ) in the next a few days and kept the funds in their savings account for 3 months. On XX/XX/XXXX, I decided to withdraw the funds and linked another external bank account under my own name ( same name that opened Marcus savings account ), the bank account linkage was verified and successfully added. On XX/XX/XXXX, I submitted a request to withdraw an amount of {$10000.00} to this newly linked account. Same day I submitted another withdraw of {$20000.00} to my XXXX account and this was successful. On XX/XX/XXXX, my transfer of {$10000.00} was declined and my account access was restricted, I was completely locked out from my account. On XX/XX/XXXX, XXXX XXXX, I called their service line XXXX, my identity was verified and I waited for 30 min until being transfer to a " security specialist '', who again identified my information, and told me my account can not be unlocked and I was to be contacted by another agent XXXX. On XX/XX/XXXX, I have not received any calls therefore at XXXX XXXX I called the same number again, I again was verified by two different people and was told my account can not be unlocked until further notice by mail. Today is XX/XX/XXXX, I have not received any notice about how to unlock the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I am filing this complaint against Selene Finance LP and its Loss Draft Department regarding unreasonable delays, repeated changes to documentation requirements, improper withholding of insurance claim funds, and potentially unfair mortgage servicing practices related to a property insurance claim. On XX/XX/year>, after the settlement of our insurance claim through legal counsel, we contacted XXXX XXXX Loss Draft Department to obtain instructions regarding the endorsement and release of insurance proceeds. We immediately complied by overnighting the insurance check of {$77000.00} to them and uploading all requested documentation. Over the last 7 weeks, the mortgage company has held this check without justification. This check was issued by our insurance company for the replacement of our roof due to damages caused by XXXX XXXX. During these 7 weeks, I provided all requested documents on multiple occasions. Representatives provided inconsistent information and changed document requirements multiple times. We were repeatedly advised that the funds were being reviewed for release, and that reviews would take " 5 days, ' then '57 days, ' then '710 more days, ' claiming the file was pending review by 'their client. ' I informed Selene Finance on multiple occasions that the work was commencing and we needed the insurance funds immediately to pay for roofing materials and contractors. To date, no funds have been released. The roof is now fully complete and all final inspections have passed. On Tuesday, XX/XX/year>, my family sent a formal demand letter to the company requesting the immediate release of these funds by Friday, XX/XX/year>. The company completely ignored this deadline. As of today, Tuesday, XX/XX/year>, the funds have still not been released, and the company failed to return my phone calls regarding the status of the account. Throughout this process, Selene repeatedly changed requirements after submissions were made, causing substantial review delays. We were blocked from directly communicating with our assigned file representative ( 'Lucinda ' ). Representatives stated they could only 'send a message ' for a callback within two business days, which rarely happened. We were also informed that even after an approval, an additional 7 days for 'review ' plus 6 days for mailing would occur. Selene continues to refuse to release the insurance proceeds without providing any reasonable basis. This conduct has caused significant financial hardship, project disruption, and severe emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 2233 Paradise Road LLC
State: TX

Complaint narrative:
Dates : XX/XX/year> Balance {$1200.00} Actions Taken : It looks like someone in my family used my information to take out this loan pretending to be me. I have tried contacting the company, but because it is under my name there is nothing they can do. I have no way of contacting the person who used my information, since they left the country.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account that appears on my credit report. I do not recognize this debt and request validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
On XXXX XXXX money was withdrawn from my bank account ( XXXX XXXX XXXX XXXX ) that was connected to Cashapp in the amount of {$3100.00}. I called my bank and disputed the charge, but my bank said that they denied my dispute because it was a third-party ( Cashapp ) that took the money out my account that I would have to get in contact with Cashapp and dispute it with them. So after I received the information back from my bank, on XXXX XXXX I filed the claim with Cashapp and they keep denying me because they said that its my card thats on file and I made the transaction. I have been going back and forth with Cashapp several times about the issue and it has gotten nowhere. I have my old bank debit card that was linked to my Cashapp account and I have all my information where I have been going back and forth with them about this issue. I have emails with Cashapp concerning this issue also over a month of going back and forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I disputed multiple XXXX transactions with Bank of America related to a long-term rental property that materially differed from what was represented at booking. The dispute involved significant habitability, sanitation, maintenance, and undisclosed connectivity issues during a two-month family stay, including rodent concerns, maintenance failures, unreliable WiFi, and virtually no reliable cellular service at the property. During the stay, the host acknowledged several of the issues directly, including exterminator visits, connectivity limitations, and maintenance concerns. XXXX later reviewed the matter, removed the hosts listings from the platform, and issued a partial refund related to the reservation. One portion of the dispute was also resolved in my favor. Despite these circumstances, Bank of America denied the majority of the dispute and appears to have evaluated the matter primarily as a cancellation/services-rendered issue rather than as a materially deficient and misrepresented accommodation dispute. I requested additional information from the company, including copies of the merchant response and supporting documentation relied upon during the investigation, the specific dispute reason code used, and clarification regarding whether any additional network arbitration or review options remain available. This information has not been provided. I remain concerned that the dispute was evaluated under the incorrect framework and that the full substance of the complaint was not meaningfully addressed.

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