vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I disputed multiple accounts reported by Early Warning Services ( XXXX ) that contain inaccurate, inconsistent, and unverifiable information. The disputed accounts involve financial institutions including XXXX XXXX XXXX ( GA ), Bank XXXX XXXX ( NY ), and XXXX XXXX. The information reported contains conflicting identifiers, including mismatched personal data and indications of a mixed file. Additionally, the reported transactions contain inconsistencies in amounts and account activity, and no complete accounting or supporting documentation has been provided to verify the accuracy of the data. Timeline of events : Initial disputes were submitted identifying the inaccuracies and requesting verification and correction. XXXX responded by claiming the disputes were insufficient and failed to conduct a proper reinvestigation. A formal demand letter was sent on XX/XX/year>, outlining violations of the Fair Credit Reporting Act ( FCRA ), including failure to conduct a reasonable reinvestigation and failure to ensure maximum possible accuracy. The letter was delivered on XX/XX/year>, providing a 15-day period to cure the violations. No adequate response or corrective action was taken within that timeframe. XXXX has failed to : Conduct a reasonable reinvestigation of disputed information Provide a method of verification Ensure maximum possible accuracy of reported data Remove unverifiable or inconsistent information Ensure permissible purpose for inquiries reflected in the consumer disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was looking for a personal loan. A man was acting like a real company. I googled his phone number and found out he was scammer. He then threatened to wipe out my bank account which he did. I filed a claim with chase bank. They refused to give my money back when I showed proof that he was a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
A person came to my house and was supposed to be helping me apply for social security XXXX and when they had my phone looking through bank statements trying to figure out how much I made in XXXX for the application they did an unauthorized transaction of {$5000.00} to their sister. There is a police report and the sister admitted to receiving these funds and at first didnt think it was illegally done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: IL

Complaint narrative:
We, XXXX XXXX and XXXX XXXX, are coborrowers on this mortgage. XXXX Bank conducted an escrow analysis dated XX/XX/XXXX using an incorrect projected property tax amount of {$10000.00}. This error caused an inflated escrow shortage, an inflated escrow payment, and an incorrect monthly mortgage payment increase of more than {$1000.00} per month. Our official XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( PIN XXXX ) shows the actual total tax bill is {$7900.00}, not {$10000.00}. U.S. Bank overstated our taxes by {$2600.00}. XXXX XXXX also approved our Homeowner Exemption, and we are receiving a refund of {$1000.00} because the exemption was not applied earlier. This reduces our actual XXXX tax liability to {$6900.00}, which is far below the amount U.S. Bank used. Because U.S. Bank used the wrong tax amount, they also overstated our escrow shortage. U.S. Bank claims a shortage of {$8500.00}, but our mortgage statement shows the actual shortage is {$2900.00}. The shortage was overstated by {$5500.00}. U.S. Bank also overstated our monthly escrow payment. Using the correct tax liability, our escrow should be {$850.00} per month, but U.S. Bank raised it to {$1800.00}, overstating it by {$1000.00} per month. U.S. Bank then increased our monthly mortgage payment to {$3700.00}, but using the correct escrow amount, our payment should be {$2700.00}. Our payment was overstated by {$1000.00} per month. We also have an active property tax appeal filed through XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( TAG ). We signed a Service Agreement, Certificate of Error application, Attorney/Representative Authorization Form, and Occupancy Affidavit. The XXXX XXXX of XXXX confirms the appeal was filed on XX/XX/XXXX. Our appeal is expected to lower our taxes, not increase them. U.S. Bank ignored this and used an inflated tax projection inconsistent with XXXX XXXX XXXX and our active appeal. We submitted a formal Notice of Error under RESPA ( 12 CFR 1024.35 ) to U.S. Bank by fax and email, but we are filing this CFPB complaint to ensure the issue is corrected. The incorrect escrow analysis and resulting XXXX XXXXXXXX increase in our monthly mortgage payment have caused significant financial strain and hardship for our household. The sudden and inaccurate payment increase has disrupted our family budget and created unnecessary stress. We are requesting immediate correction to prevent further harm.

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 2026-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am filing a formal complaint regarding a debt collection agency ( Resurgent Capital Services ) attempting to collect a debt that has not been properly verified and is not proven to belong to me. The account in question is listed under my maiden name. I have formally disputed this debt multiple times in writing and specifically requested documentation proving that I am the individual responsible for this account. Despite my repeated requests, the collection agency has failed to provide any meaningful verification. They continue to send only a final billing statement from the original creditor. This does not constitute proof that I opened, used, or am legally responsible for this account, nor does it establish any connection between my current legal identity and the account under my maiden name. I have clearly requested : A signed agreement or application Full account transaction history Documentation linking my identity to the account These requests have been ignored. The collection agency continues attempting to collect on this account without providing adequate verification and may also be reporting this unverified debt to credit reporting agencies. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as they are attempting to collect a disputed debt without proper validation and potentially reporting inaccurate or unverified information. I am requesting the following resolution : The collection agency must provide proper documentation proving I am responsible for this debt, OR Immediately cease all collection efforts Remove this account from all credit reporting agencies Provide written confirmation that this account has been closed I expect this matter to be investigated and resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: MI

Complaint narrative:
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 : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. 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 Collectors 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MA

Complaint narrative:
I already submitted a complaint to you guys about them in the end. They responded back in the complaint that you guys did for me saying that they were gon na close it in XXXX and theyre still harassing me calling me asking to pay it and they never closed it when they agreed that they were gon na close it

Company response to consumer: Untimely response
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
haven't received my money from a fraud transaction that bank allow to do around XXXX were stolen and the company does nothing, even they claim manage billions of assets, they can not even pay back XXXX usd back to their customers which their system is very faulty, how greedy this company is.

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 2026-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: WA

Complaint narrative:
XX/XX/XXXX i purchased an electronic device through Acima XXXX and made an initial payment of XXXX to secure the item. XX/XX/XXXX I returned merchandise that I purchased through Acima directly to the merchant who accepted the product back and gave me a full refund returning the full amount directly to the XXXX XXXX used for the installment loan. I received no confirmation by email that my lease was closed only that automatic payment were paused a Future payments can be rescheduled I did check the app an it showed the lease was canceled. Two weeks had passed and I had not received a refund on any payment methods used. I contacted a representative on XX/XX/XXXX who stated they would not refund the initial payment. I requested escalation. And spoke to a representative in the resolution department and explained that a refund for the initial payment has not been received since the closure on XX/XX/XXXX. This representative asked that I provide new banking information and walked me thought the process I asked why the refund couldnt not be issued To the original payment method an no explanation was given. I was told if I didnt get the refund in 5 business to call back in. I called XX/XX/XXXX for an update an the date was extended to ten business days. Im concerned with how the refund process has been handled and made several attempts to resolve this directly with Acima but have not had any success with an appropriate resolution. The lease has been closed for a full month an at this time Acima has made no progress or Effort in issuance of a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLANDCRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRED 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I received a collections online credit report for an XXXX account not in my name. I demand that this be taken off. I'm an attorney, and I plan to use the fullest extent of the law. Addition to this report, I will file a report with the New York attorney general 's office if this is not removed from my account

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 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: WV

Complaint narrative:
I paid {$760.00} using XXXX for XXXX services through XXXX, including a provider evaluation and prescription service. Despite making myself available and attempting to complete the required appointment, the company failed to properly schedule and conduct the XXXX visit. I clearly communicated that phone calls from their system were being blocked as spam and requested to complete the visit via XXXX. I was instructed to wait, but the provider never joined the XXXX session and instead attempted to call again, which did not go through. As a result, the service I paid for was not completed. Due to this failure, I requested cancellation and a full refund. The company then informed me that they would deduct a {$350.00} processing/provider evaluation fee and only issue a partial refund of {$410.00}. This fee was not clearly disclosed upfront as non-refundable in the event the provider failed to complete the service. I made multiple requests for documentation, refund confirmation, and clarification of fees, but the company did not provide the requested documentation and gave inconsistent responses. They also delayed the process and conditioned resolution on dispute status rather than addressing the underlying service failure. I filed a dispute with XXXX due to failure of services rendered. Despite clear evidence that the service was not completed, the dispute was decided in favor of the merchant. At this point, I am requesting a full refund of the {$760.00} paid, as the service was not delivered. The company should not be permitted to retain a {$350.00} fee for a provider evaluation that was never completed. This represents a failure to provide services, lack of proper disclosure, and unfair billing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us bak closed my business checking and savings account without telling me the reason. And not informing me what is gon na happen with my money that was left in the account over XXXX $ Oneof the supervisors said is gon na come after 30 business days. And that never happened. It past already more than 3 months that they close my account and dont have the professionalism to send a letter regarding my money. Disgusting bank.

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 2026-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: NY

Complaint narrative:
I am filing a complaint against Kikoff regarding inaccurate and inconsistent reporting of an account listed on my credit report ( Account ending in XXXXXXXX XXXX XXXX ). This account is being reported in a manner that is inconsistent across all three credit bureaus and does not comply with the Fair Credit Reporting Act ( FCRA ), which requires all information to be accurate, complete, and verifiable. Specifically : The High Credit amount is reported as {$260.00} on XXXX and XXXX, but {$0.00} on XXXX, which is inconsistent. The Credit Limit is reported as {$2500.00} on XXXX and XXXX, but {$0.00} on XXXX, which is inaccurate and misleading. The account is being reported as both a revolving account and a charge account, creating conflicting classification. The past due amount ( {$120.00} ) does not match the total balance ( {$260.00} ), with no explanation or breakdown provided. The last activity dates differ across all three bureaus, indicating inconsistent reporting. Comments and account status descriptions vary significantly between bureaus, including charge-off and loss reporting language, without proper documentation. I have not been provided with sufficient documentation verifying : The accuracy of the reported balance The calculation of the past due amount The proper classification of the account The consistency of reporting across all bureaus Under the FCRA, all reported information must be accurate, consistent, and fully verifiable. At this time, I am requesting : A full investigation into this account Verification of all reported data fields across all bureaus Correction of all inconsistencies Immediate deletion of this account if it can not be verified as fully accurate and compliant Please provide written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
In or around early XXXX, I discovered a collection account for approximately {$1200.00} reported by XXXX XXXX XXXX on my XXXX credit report. This account appeared without any prior notice or communication from the collection agency. I was never contacted b y XXXX XXXX XXXX by mail, phone, or any other method before this account was reported. As a result, I was not given the opportunity to dispute or validate the debt prior to it negatively impacting my credit. The account relates to a XXXX XXXX utility bill from over a year earlier. At that time, I had my account on autopay and was later informed by XXXX XXXX that there had been a billing error r elated to uncharged usage. I disputed the charge and was under the impression that the matter had been resolved. After that interaction, I did not receive any further communication regarding this issue for over a year. Without any notice or attempt to contact me, the account was placed into collections and reported to my credit file, causing a significant drop in my credit score. I am requesting that this matter be investigated, including whether proper notice was ever provided, and that the account be removed from my credit report if it can not be properly validated or if required notification procedures were not followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
In XX/XX/year>, I paid a total of {$760.00} through XXXX for XXXX services from XXXX. The charges were processed through my Capital One credit card and linked bank account. After payment, XXXX failed to provide the core XXXX consultation required for the services purchased. Multiple attempts to complete the appointment were unsuccessful due to their calls being flagged and blocked by my carrier. I notified XXXX of this issue and requested a reasonable alternative method of communication, such as XXXX, but they refused to accommodate this request. Despite repeated good faith efforts on my part to complete the service, XXXX did not provide the medical consultation or any meaningful service. I requested a full refund due to non-performance ; however, XXXX refused and only offered a partial refund. I disputed the charges with my credit card company, Capital One, but the dispute has not been properly resolved. I am being held financially responsible for services that were not rendered. I also requested documentation, including medical records and account information, which were not adequately provided. This complaint concerns a billing dispute for services not rendered and failure of the credit card company to properly resolve the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On or about XX/XX/year>, I made mobile deposits totaling approximately {$960.00}. Shortly after, one of the deposits for {$720.00} was returned and reversed by the bank on or about XX/XX/year> as a return item chargeback. An additional adjustment of approximately {$230.00} was also made on or about XX/XX/year>. The account activity shows that the funds were reversed and corrected by the bank. I did not withdraw, transfer, or use any duplicate or provisional funds at any time. The account reflects no monetary loss. Despite this, Bank of America reported the account to XXXX as furnisher suspects fraud. This classification is inaccurate and unsupported, as there was no misuse, intent, or financial loss. I am requesting removal of the suspected fraud designation and full deletion of this entry from XXXX.

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