vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I opened a Chase business account online that included a {$300.00} promotional bonus offer. I met all stated requirements for the bonus, which was confirmed by XXXX XXXX, XXXX Business Relationship Manager. 

However, the promotional bonus has not been applied for more than three months. I contacted a Chase branch and was told there may have been a system glitch affecting the promotion, and that from my side all requirements appear to have been satisfied. 

I visited the local branch multiple times. A representative, XXXX XXXX, verbally indicated the bonus may not have been applied due to a system error. XXXX also spoke with XXXX XXXX, Vice President Branch Manager, who stated that because the account was opened online, the branch could not resolve the issue and that I must contact online customer service ( which I have already done ). 

As a result, I have been redirected between departments without a clear resolution. No final decision has been provided, and the promotional bonus has not been honored despite meeting the qualifying requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 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: WA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt.

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. 

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Summary of the Issue : Unauthorized ACH withdrawals were made from my Chase business account by XXXX. I did not authorize these withdrawals, nor did I authorize XXXX with my bank account information for ACH payment. Despite this, Chase has refused to return the funds. 
On multiple dates, XXXX initiated ACH debits from my Chase business account without my authorization. I immediately notified Chase and disputed the transactions ; Chase later informed me that XXXX denied the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
On multiple occasions prior to XX/XX/year>, I received repeated telephone calls from Credence Resource Management from various phone numbers. No voicemails were left, and I was not provided written notice of any alleged debt. 

On XX/XX/year>, Credence Resource Management received my certified written request for debt validation and a cease telephone communication request. USPS delivery confirmation shows the letter was delivered on that date. 

After XX/XX/year>, I received five additional telephone calls from different phone numbers associated with Credence Resource Management. I have not spoken with any representative and have not received written validation of any debt. 

Those dates include : XX/XX/year> at XXXX XX/XX/year> at XXXX XX/XX/year> at XXXX XX/XX/year> at XXXX XX/XX/year> at XXXX Despite confirmed receipt of my written request, the company has continued telephone contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 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: NM

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY 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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
On XXXX I went to Associated Bank in XXXX XXXX, Wisconsin to initiate a wire transfer of funds. Upon returning home I discovered that I could not access my banking information with the banking app and reached out to the bank! I was transferred to their customer care team and was told that my account was under review and that I would be hearing from someone within the next day! 
Despite several follow up messages, I have yet to hear from anyone with Associated Bank! Without justification, reason or cause, they have hindered my business and blocked me from having access to my funds as well as my records from both my personal and business checking accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: FL

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. 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 U.S Code 1618d - 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 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 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: NV

Complaint narrative:
MIDLAND CREDIT MANAGEM Original creditor Balance Balance updated XXXX XXXX XXXX. 
{$370.00} XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
CRDMGMCOMP is falsely reporting on my credit. I have never had any accounts with them. Per my research CRDMGMCOMP 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 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am the Grantor, Administrator, and Beneficiary of the Estate associated with this account. I am exercising my right as a Creditor to bring this matter into the light of the public record. 
In XX/XX/XXXX, a discrepancy of {$25000.00} occurred, which is the face value of the application I provided. I am aware of the CFPBs Order against Block , Inc. ( XXXX XXXX. XXXX ) dated XX/XX/XXXX, which found that the Respondent has a history of failing to investigate unauthorized transactions and providing inadequate error resolution. 
I have not sought a private resolution in the 'darkness ' of the Respondent 's internal chat, as I am moving under the authority of the Shareholder Protection Act ( S.530 ) and the Electronic Fund Transfer Act ( Regulation E ). The Respondents failure to automatically rectify this error suggests a continuing breach of the fiduciary duties outlined in Blacks Law Dictionary ( 12th Ed. ) and a potential misrepresentation of 'Good Faith ' in their quarterly Call Reports. 
I am a shareholder of the XXXX XXXX, and I recognize the current Securities Fraud Litigation ( Case : XXXX XXXX XXXX, XXXX ) regarding the Respondent 's inflated metrics and compliance failures. This transaction must be resolved to ensure the integrity of the Respondent 's financial disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. 

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. 

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have been a member of Navy Federal since 2008. During that time I have been charged numerous overdraft fees. I would like all of the money back that was withdrawn from my account as a result of Navy Federal automatically deducted funds from my account over the years. Place al funds back into my checking account immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt.

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-02-17 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: Chime Financial Inc
State: KY

Complaint narrative:
On XX/XX/year>, I purchased a ring from XXXX XXXX for {$810.00}. The funds were removed from my checking account and placed on hold until the item shipped. On XX/XX/year>, I received notice from Chime that the funds were being put back in my account. I did not receive the money. 
On XX/XX/year>, the funds were taken out again. Though the transaction said declined, my account was - {$800.00} so obviously it was taken out again. I spoke with multiple people at Chime. One of them told me the {$810.00} was, in fact, being refunded and would take 5-10 business days. Two others and their supervisor said they already gave me money back. I filed a dispute which was denied. The denial said to call for the documentations determining the dispute. When I called, two people said they do not have nor provide that information. There is no documentation or balance changed showing they gave me money back. There is no other way to contact Chime other than the support number and messaging through the app. I've spoken with the merchant, XXXX XXXX, twice to confirm they received only one payment and they confirmed they did not receive payment twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I sent a certified letter on XX/XX/year> Tracking Number : XXXX Delivery Date : XX/XX/year>. I have yet to receive the chain of custody proving that the debt buyer as legal right to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. 

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. 

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MOHELA
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681

Company response to consumer: Untimely response
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL 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 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 2026-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the following account listed on my credit report : XXXX XXXX XXXX WILLIAMS RUSH & ASSOCIATES Account amount : {$680.00} have no knowledge of this account and do not recognize this debt. I have never received services or communication regarding this matter. This account does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and verification of this account. Please provide documented proof that this debt is mine, including : The original signed agreement Proof of services rendered Full account history Proof this account was legally assigned to this collection agency If you can not provide proper validation, this account must be removed from my credit report immediately. Please send me written confirmation of the results of your investigation. Sincerely, XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Untimely response