vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I am filing a complaint against multiple debt collection agencies for what appears to be unlawful collection practices and inaccurate credit reporting in violation of the FDCPA and FCRA. I formally disputed the alleged debts and requested validation under 15 U.S.C. 1692g, which requires collectors to cease collection activity until proper verification is provided. However, these companies failed to supply sufficient documentation, such as a signed agreement, proof of ownership, chain of title, full account history, or legal authority to collect. Despite this, they continue collection efforts and/or report the accounts to credit bureaus without verifying their accuracy. This conduct may constitute violations of federal law, including false or misleading representations, unfair practices, and failure to properly investigate disputed information. Additionally, reporting unverified or inaccurate data may violate Metro 2 standards and expose these companies to liability. Overall, their actions suggest a pattern of noncompliance and improper handling of disputed debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Beginning in XX/XX/XXXX, I was charged {$10.00} per month by XXXX XXXX XXXX XXXXXXXX XXXX subscription ) without my active knowledge. In total, I was charged XXXX times for a total of {$720.00}. I had a XXXX account from years prior but was not actively using it and had no awareness the subscription was still running. When my debit card expired, my bank automatically updated my card information through their Account XXXX service and passed my new card details to XXXX without my knowledge or consent, allowing the charges to continue uninterrupted on my new card. I never intentionally re-enrolled a payment method. My account has been completely inactive for years with no logins. On XX/XX/XXXX, I contacted XXXX support via chat and requested a refund. They refused to refund anything beyond the most recent {$10.00} charge, citing a XXXX refund policy. They also did not provide me with any account activity or last login information when I requested it. XXXX support case number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a check for XXXX I moved to XXXX. They held my check for 7 days. Then called and said we do not want to do business. I am a small business owner. I need the money to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Beginning in early XXXX XX/XX/XXXX I reported fraud to American Express . I was told that there were {$30000.00} in fraudulent charges on the card. I was then told there were {$12000.00} in fraudulent charges and then was sent a check in the amount of $ XXXX. Since then I have rented cars through XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. I was double charged by American Express for a rental dating back to XX/XX/XXXX, XXXX XXXX, XXXX in the amount of {$1800.00}. Between XX/XX/XXXX - XX/XX/XXXX I have paid {$6900.00} on my XXXX American Express card and {$2500.00} on my XXXX XXXX XXXX card. American Express is claiming that there {$3300.00} worth of new charges on my XXXX XXXX card - including another fraudulent charge from XXXX XXXX XXXX on XXXX XXXX for {$150.00}. The actual charges for the month of XXXX on my XXXX XXXX XXXX card total {$3200.00} and again I see no evidence that they are properly applying any payments I have made over the last 6 months since they stopped sending me actual bills and statements though I NEVER opted to go paperless. The bill I received from American Express XXXX states that I owe {$4000.00} though there are no new charges on the card and I have not used the card since XX/XX/XXXX. I have reported this to Office of Comptroller of Currency and am reporting the fraud here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/XXXX I cancelled the PMI on my mortgage account since that date I have received 2 letters each with different amounts This is predatory and deceptive XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1600.00} Escrow overage of {$750.00} due XX/XX/XXXX which I was told would change due to the changes in insurance and due to PMI being cancelled. so do not pay until a letter with a new amount was sent. I never received a letter with new amount so I do not know what to pay. On XX/XX/XXXX I called to get the actual for escrow shortage & monthly mortgage payment. I was verbally provided an amount of {$1400.00} for monthly payment and again told I would receive a letter about the escrow that I still have not received. On XX/XX/XXXX I called and was give yet a different amount {$1400.00} I requested written documentation and told there was none yet a statement came in the mail for {$1600.00}. On XX/XX/XXXX I received a with new amounts verbal amounts to be paid XX/XX/XXXX without written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: FL

Complaint narrative:
FORMAL NOTICE OF IDENTITY THEFT FCRA 605B DEMAND FOR IMMEDIATE BLOCK AND PERMANENT DELETION To Whom It May Concern, I am a documented victim of identity theft. This letter serves as a formal Identity Theft Report and dispute under the Fair Credit Reporting Act ( FCRA ). My personal information was compromised in the XXXX XXXX XXXX ( Engagement Number XXXX ), which resulted in fraudulent and unauthorized accounts being opened and/or reported on my credit file without my knowledge or consent. This notice invokes my rights under federal law, including 15 U.S.C. 1681c-2 ( FCRA 605B ), 15 U.S.C. 1681i, and 15 U.S.C. 1681e ( b ), which require the blocking of identity theft-related information, reasonable reinvestigation, and maximum possible accuracy in credit reporting. Accordingly, I am making the following legal demands under FCRA 605B : Immediately block all fraudulent information within four ( 4 ) business days Prevent any re-reporting of the blocked or disputed information Notify all furnishers that the information has been identified as fraudulent and blocked Permanently delete all fraudulent tradelines associated with identity theft Failure to comply with these requirements may constitute negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o and may result in civil liability.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I disputed a charge for merchandise not received, totaling {$420.00}. The bank denied my claim based on unverified merchant evidence. Merchant claimed a signature but did not provide one. Evidence included a low-quality label photo, not proof of delivery. Merchant was unresponsive to all contact attempts. Documentation attached hereto for review. I contacted Wells Fargo to request reconsideration of this matter and was informed that the claim could not be reopened. When I requested escalation to a supervisor, the call was disconnected.

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 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I was the victim of unauthorized transactions totaling {$500.00}, which I reported promptly to Wells Fargo and followed all required procedures, including submitting documentation and filing a police report. Throughout the process, Wells Fargo provided inconsistent and contradictory information regarding my claim. Representatives gave conflicting statements about whether the claim existed, whether documentation was received, and whether provisional credits would be issued. The claim was ultimately denied based on inaccurate information, including the incorrect assertion that the card was in my possession at the time of the transactions. I escalated the matter to the Executive Office. On XX/XX/year>, they confirmed receipt and stated I would receive a response within 10 business days from the date the Notice of Intent to Sue was sent ( XX/XX/year> ). I was also informed that a resolution would be provided by XX/XX/year>. On XX/XX/year>, I issued a formal Notice of Intent to Sue, providing a 14-day deadline for resolution. As of today, Wells Fargo has failed to provide any written response, resolution, or notice of delay, despite my request that all communications be in writing. Additionally, I kept the account open in good faith while this matter was under review, as communicated to XXXX, from the Executive Office. Due to the prolonged delays in resolving this claim ( over several months ), I incurred ongoing monthly service fees totaling {$95.00}, which would not have occurred had the matter been handled in a timely manner.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: TX

Complaint narrative:
I received the letter regarding {$5600.00} of debt collection from Wilber & Associates P.C. who represents XXXX XXXX XXXX XXXX which believers I or my vehicle were involved and at fault in the accident in XXXX, NY on XX/XX/year>. I contacted Wilber & Associates P.C. and informed them that neither I or my vehicles was physically in XXXX NY on that particular date. I was not involved in any accident and am not own any debt they asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
XXXX I was refinancing my home after removing someone due to divorce, I had to pull some money out of the equity XXXX dollars, My mortgage payment then increased to XXXX, from XXXX. I started the modification process ( XX/XX/XXXX ) with PHH mortgage, I turned in all required paperwork, made all payments as agreed. ( they did not apply it towards the loan, unable to identify where my money was being paid towards. ) at the end of the trial period ( XX/XX/XXXX ), I was told that the system was broken, ( XX/XX/XXXX on their end no other explanation ) and I could not make a payment while it was broken I tried several months after to make a payment the same thing was stated with no further explanation. Until they came back and said my modification was denied and closed XX/XX/XXXX, they reopened it again after I asked them to explain what happened, they stated it was my fault but agreed to open it again. and I ended up doing the modification AGAIN, I was told i was approved to restart the modification, a month later it was denied saying I was ineligible for assistance and that it was an accidental approval on their part. The entire time that the second modification was ( being worked on ). They did not let me make any payments. I requested several times. Now I am being told I have to pay XXXX to reinstate my loan to avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint against Chase Bank regarding their refusal to properly investigate an incorrect electronic funds transfer. XXXX withdrew XXXX separate amounts from my account labeled as Instacash repayment : {$330.00} on XX/XX/year> and {$1600.00} on XX/XX/year>, totaling {$2000.00}. I only borrowed {$1000.00} that was due on XX/XX/XXXX. These withdrawals significantly exceed the amount I owed and authorized. I disputed these transactions with Chase and explained that while I had previously used MoneyLion, I did not authorize withdrawals in these amounts. This is an incorrect electronic funds transfer under the Electronic Fund Transfer Act ( Regulation XXXX ). Chase denied my claim and refused to reopen it, stating that because I had prior authorization with the merchant, they could not take further action. However, authorization does not extend to incorrect or excessive withdrawals. Additionally, I have written documentation from XXXX stating that the repayment was processed in error. Despite providing this documentation, Chase has refused to conduct a proper investigation or provide a resolution. I am requesting that Chase : * Reopen and properly investigate this claim under Regulation E * Review the documentation showing the merchant admitted the error * Reimburse the funds that were incorrectly withdrawn from my account This situation has caused me significant financial hardship, as I currently do not have access to my funds due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.

Complaint narrative:
As of XX/XX/XXXX, I have still not received the requested debt verification letter at my mailing address, despite multiple assurances from your representatives that it would be sent. This a follow up complaint not a duplicate that JP Morgan unquestionably lied over a letter being sent to my address on file. I am requesting a clear explanation of the following : XXXX. Why my original dispute was accepted but subsequently denied, despite your own representative confirming that my stated reason breach of terms and conditions was valid per your own representative statement it was a legal claim. XXXX. Why false or misleading statements were made in your prior response to my CFPB complaint. XXXX. Why I continue to receive repeated phone calls multiple times per day, despite clearly stating that I do not wish to be contacted until proper debt verification has been provided. To be clear : * My attorney retrieved my mail at XXXX AM on XX/XX/XXXX, and no verification letter was received. * I have made multiple good-faith efforts to resolve this matter, but have only received repeated assurances without follow-through. Until a proper debt validation letter is provided in compliance with applicable law, I consider this debt to be legally defective and disputed. I will not make any payments until verification has been properly delivered. Additionally, continued contact without fulfilling your legal obligation to validate the debt may constitute harassment and a violation of federal law. I expect prompt resolution of this matter and the letter to be delivered to me per law within the next week. Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Follow-Up Regulation E Compliance Not Addressed Dear Consumer Financial Protection Bureau , I am following up on my existing complaints regarding Bank of America . While prior complaints received responses, those responses did not address the specific Regulation E ( XXXX CFR XXXX ) compliance issues raised. This is not a duplicate complaint. It concerns the banks failure to address regulatory compliance questions, specifically : * No explanation of the investigation timeline relative to Regulation E requirements * No clarification regarding apparent mismatched documentation * No documented basis supporting the banks determination of authorization The responses provided appear to be general conclusions and do not demonstrate that a compliant investigation was conducted.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I paid {$460.00} to fully satisfy the balance associated with a previously closed checking account that had been reported toXX/XX/XXXX due to non-sufficient funds activity. On the same day, I submitted a formal written request by mail to Santander Bank requesting goodwill removal of this item from XX/XX/XXXX. I also sent an executive escalation email with proof of payment attached. Despite the account being fully satisfied, the item continues to be reported to XX/XX/XXXX, which is negatively impacting my ability to obtain financial services. I have made a good faith effort to resolve this matter directly with the company, but the issue remains unresolved.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
CashApp allowed several transactions to be taken from my account from XXXX thru XXXX, I disputed the transactions and was denied for all of them, when I requested the method of how they determined the transactions were made by me they closed my account and stated they were no longer obligated to answer anymore questions because my account had been closed for suspected fraudulent activity that was against the terms a conditions, when I asked what activity I was suspected of doing they stopped communicating with me altogether.There are over {$2700.00} from XXXX merchant alone that I want to recover and they are refusing any wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I am submitting a complaint against multiple debt collection agencies for potential violations of federal consumer protection laws. After disputing the debts and requesting proper validation, the companies failed to provide sufficient evidence that I am legally responsible, such as original agreements, ownership documentation, or complete account records. Despite this lack of verification, collection efforts and credit reporting may have continued. This raises concerns about possible violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), particularly regarding debt validation and the accuracy of reported information. In summary, these agencies appear to be attempting to collect and report unverified debts, suggesting possible noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX I did not sign a contract with this company. I do not have an account with this company. This is showing up on my credit report. I would like it to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I opened a savings account with Marcus by Goldman Sachs specifically for a promotional cash bonus offer. I deposited a significant amount of money and maintained the balance for the required period based on the promotion terms. However, after meeting these requirements, I was informed that I was not eligible for the bonus because I was not enrolled in the promotion. At no point during the account opening or deposit process was there a clear or visible step requiring separate enrollment. There was no confirmation, warning, or indication that I was not enrolled. This lack of transparency and unclear process is misleading and resulted in a financial loss, as I made decisions based on the expectation of receiving the advertised bonus. I contacted customer support, but they did not provide a resolution and only referred to the terms without addressing the unclear user experience. I am requesting that Marcus review this case and provide a fair resolution.

Company response to consumer: Closed with explanation