vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Formal Complaint Duplicate Charge of {$3000.00} and Improper Dispute Handling by Chase Bank I am filing this complaint regarding a duplicate charge and the failure of my financial institution, Chase Bank, to properly investigate and resolve the matter. On XX/XX/year>, I made a payment to XXXX XXXX XXXX XXXXXXXX ( XXXX, FL ) in the amount of {$3000.00} using my Visa card ending in XXXX. This payment was part of a contracted fence installation totaling approximately {$6100.00}, with a deposit of {$3000.00} due upfront. However, on that same date ( XX/XX/year> ), I was charged twice for the same amount of {$3000.00}, resulting in a duplicate transaction. My transaction history clearly shows : One charge labeled XXXXXXXX XXXX for {$3000.00} A second charge labeled XXXX XXXX XXXX XXXX for {$3000.00} Recognizing the duplicate charge, I contacted Chase Bank and filed a dispute. The dispute was formally initiated on XX/XX/year>, for the amount of {$3000.00}, citing a duplicate transaction. During the dispute process : A temporary credit was issued to my account The transaction was marked as disputed The merchant system ( XXXX ) reflects that the dispute was accepted and funds were to be returned to the cardholder Despite this, the dispute was ultimately denied, and the funds were recharged to my account as a rebill on XX/XX/year>, again for {$3000.00}. I contacted Chase Bank multiple times and was informed that : The dispute was denied The claim was considered outside of the allowable dispute timeframe No further action could be taken I then contacted XXXX XXXX directly. They informed me that : They did not deny the dispute Their system shows the dispute is still under bank review Resolution is expected by XX/XX/year> I was instructed to wait until XX/XX/year>, and follow up if no refund is received At this point, I have paid more than agreed for the services rendered and remain out {$3000.00} due to this duplicate charge. Supporting documentation includes : Contract showing agreed payment terms Transaction history showing duplicate charges Dispute records dated XX/XX/year> Merchant dispute documentation indicating funds should be returned Rebill transaction showing funds were recharged This situation demonstrates a failure in the dispute resolution process, as : The duplicate charge is clearly documented The merchant has not denied the claim Chase Bank has refused further assistance due to timing despite ongoing dispute activity I am requesting that this matter be formally reviewed and that appropriate action be taken to resolve this issue. This issue has caused financial hardship and ongoing frustration due to the lack of resolution and conflicting information between the bank and the merchant. Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent credit reporting related to an alleged debt originally from XXXX XXXX XXXX and currently reported by Radius Global Solutions. I previously disputed this account with the credit bureaus, however the account was marked as verified without a proper or reasonable investigation. The issue is that this account is being reported inconsistently across credit bureaus. XXXX bureau reports the account as CLOSED, while another reports it as OPEN. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be accurate and consistent. Additionally, the account is listed as a collection and charge-off, yet I have not been provided with proper validation of the debt. I have requested documentation including the original signed agreement, full account history, and proof of assignment or ownership from XXXX XXXX XXXX to Radius Global Solutions. None of this documentation has been provided. I also requested the Method of Verification used by the credit bureaus, including how this account was verified and what documentation was reviewed. This information has not been properly provided. Despite these disputes, the inaccurate information remains on my credit report, which is negatively impacting my creditworthiness. I am requesting the following : Immediate deletion of this account if it can not be verified as accurate and compliant under FCRA Failure to comply with these requirements constitutes a violation of federal law. I am requesting immediate resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
CFPB COMPLAINT AGAINST LVNV FUNDING LLC / RESURGENT CAPITAL SERVICES Subject : Re-Reporting Fraudulent Account Tied to Same False Address Previously Used on Deleted Account I am filing this complaint regarding LVNV Funding LLC and Resurgent Capital Services for reporting another fraudulent collection account on my credit reports. LVNV previously reported a XXXX XXXX XXXX account that I disputed as fraudulent. In response to my prior complaint, that account was closed and LVNV advised the tradeline would be deleted. The prior disputed account used the false address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX That is not my address and has never been my valid residence. My correct address has been : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Now LVNV is reporting a new XXXX XXXX XXXX account. Because LVNV previously deleted another fraudulent account tied to the same identity issues and false address information, this newly reported account strongly appears to be part of the same fraudulent pattern. If LVNVs records again rely on the XXXX XXXX XXXX XXXX XXXX or similar incorrect identifying data, then this is compelling evidence the account is not mine and is connected to the same prior fraud. I do not recognize the XXXX account, did not authorize it, and dispute ownership, accuracy, completeness, and LVNVs right to collect or report it. Further concerns : XXXX. I received no proper written notice before this account appeared on my credit report. XXXX. I was given no fair opportunity to dispute before credit damage occurred. XXXX. LVNV reports the account as past due as of XX/XX/year> with limited or missing prior payment history shown. XXXX. LVNV appears to be recycling fraudulent identity data despite prior notice and prior deletion. Generic bills, internal screenshots, or summary statements are not valid proof. I demand competent documentary evidence, including : XXXX. Original signed application XXXX. Full account statements from opening through default XXXX. Transaction history XXXX. Full identifying data used to open account XXXX. Every address associated with the account XXXX. Chain of title from original creditor to LVNV XXXX. Basis for reporting delinquency in XX/XX/year> This conduct may violate : XXXX U.S.C. XXXX failure to provide proper validation XXXX XXXX. XXXX false or misleading representations XXXX XXXX. XXXX unfair collection conduct XXXX XXXX. XXXX ( a ) furnishing inaccurate information XXXX U.S.C. XXXX ( b ) failure to investigate after dispute XXXX XXXX. XXXX identity theft blocking obligations where applicable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 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: GA

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 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
Missing funds for XXXX through today. Off debit card from XXXX XXXX XXXX. I put it in cashapp. And magically i have a {$0.00} balence long term. This is my funding. For me to survive. Requesting proff of where it is going and a refund to the card on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
Approximately {$1200.00} was transferred from my XXXX XXXX bank account via a cash app and I did not make these charges. I had lost my cell phone and I believe that may have been used to access my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
When the banking website it tells you to sign the back of the check a right chime Mobile deposit only so I did so without knowing that the check would be held for over a week so at that point I couldn't cash the check anywhere else even if I canceled it out on time because I had wrote their name on the back and ink like they said I feel like I was trapped by their lack of information and when I call customer service I was talked at very rudely and mean by both worker and XXXX. They offered me no help no advice and no solution to fix my problem only that they were going to hold my money no matter what now that I can't afford to make it to work this week I am XXXX from my job

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I discovered the unauthorized account when reviewing my credit report in XX/XX/year>. At that time, I noticed an account associated with XXXX, now reported by LVNV Funding LLC, that I do not recognize. I have never opened an account with XXXX for this obligation, nor have I authorized anyone to use my personal information to do so. Prior to this discovery, I did not receive any billing statements, account notifications, or communications that would indicate I had an account with XXXX. The first time I became aware of this account was through my credit report, which raised immediate concern that my personal information may have been used without my consent. Upon discovering the account, I took prompt action by disputing it with the credit reporting agencies and requesting validation from the reporting company. I have not received any documentation that proves I opened or authorized this account, such as a signed agreement or any verifiable link between myself and this debt. This situation has caused harm to my credit profile and is affecting my ability to obtain financing, including pursuing a mortgage. I am requesting that this matter be fully investigated and that the account be removed if it can not be properly verified as belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash app In 2024 I opened a sponsored account for my grandson who moved to Minnesota. He didn't receive a card to use it. I have verified this account in every way and I still can't get a new card or money refunded to the people that sent money. I have talked to supervisors, managers and I still can't get this resolved. It has been escalated 20 times and still nothing. If I close the account I can't get money. I refuse to get robbed by cash app. Please help XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
Harris & Harris , Ltd . XXXX XXXX XXXX XXXXXXXX, IL XXXX To Whom It May Concern, I am writing to formally dispute the debt referenced above in the amount of {$71.00}. This debt is not valid. I cancelled my service with the original creditor ( XXXX ) 30 days prior to my move-out date, and there was no final balance owed on the account at that time. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this alleged debt. Please provide a copy of the final billing statement from the original creditor that demonstrates this amount is legitimately owed. Until such time as you provide written verification of this debt, you are required to cease all collection activity. If you are unable to provide this verification, I request that you immediately remove this erroneous entry from all credit reporting bureaus. Please confirm in writing once this matter has been resolved. Sincerely, _________XXXX____

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I financed a purchase through Synchrony Bank by opening a credit account at XXXX & XXXX. At the time of purchase, the store employee did not clearly explain that this was a deferred interest promotion or that interest would accrue and be applied retroactively if the balance was not paid in full by a specific date. I believed I was enrolling in a standard no-interest payment plan. I set up automatic payments immediately and have never missed a payment. I made consistent monthly payments in good faith, believing I was complying with the terms. By XX/XX/year>, my remaining balance was approximately {$500.00}. On XX/XX/year>, I was charged {$390.00} in interest. This came as a complete surprise, as I was not aware that interest had been accruing retroactively from the purchase date. The billing statements did not clearly communicate that failing to pay the full balance by the promotional deadline would result in such a large retroactive charge. I contacted Synchrony Bank via chat and phone to request a goodwill adjustment or partial removal of the charge. My request was denied, and I was told the terms were disclosed, but no clear documentation was provided. I also requested a copy of the original financing agreement and clear disclosure of the deferred interest terms, but this information was not provided. I believe this situation reflects misleading and inadequate disclosure of credit terms, resulting in an unfair and disproportionate charge despite a perfect 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 2026-04-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I am submitting this formal response regarding the claims by Carrington Mortgage Services that it is the new servicer of the above-referenced loan, allegedly transferred from XXXX Mortgage XXXX This matter is currently subject to active litigation and a pending appeal before the Georgia Court of Appeals ( XXXX XXXX. XXXX ). The issues under review include standing, authority to foreclose, and the validity of assignments and servicing rights related to this loan. 1. Disputed Authority to Transfer Servicing The alleged transfer of servicing from XXXX to XXXX is formally disputed. At the time of this purported transfer : XXXX authority to act as holder or servicer of the loan was already under legal challenge A lis pendens had been filed, placing all parties on notice of a dispute regarding title and enforcement rights There has been no verified, recorded, or legally established chain of authority demonstrating that XXXX possessed the right to transfer servicing As such, any transfer of servicing rights is legally questionable and potentially void. 2. Violation of Federal Servicing Laws ( RESPA / Regulation X ) This alleged transfer raises serious concerns under 12 CFR 1024 ( RESPA / Regulation X ), including : Failure to provide clear and accurate notice of transfer Transfer of servicing while the loan is under active dispute and litigation Attempting to collect or assert servicing authority without verifying legal standing Additionally, prior Qualified Written Requests ( QWRs ) were submitted and remained unresolved at the time of the transfer, raising concerns of improper servicing conduct. 3. Attempted Collection Without Verified Authority Carringtons claim that it is the new servicer constitutes an attempt to : Collect payments Assert control over the loan Potentially enforce rights without first establishing lawful authority. This is particularly concerning given : The pending appeal The unresolved dispute over chain of title and assignment validity The lack of certified documentation establishing a valid transfer 4. Active Litigation Requires Suspension of Servicing Actions Because this matter is under active judicial review, any transfer of servicing or collection activity should be immediately suspended until : The Court of Appeals issues a ruling Authority to service or enforce the loan is legally established Proceeding otherwise risks : Misrepresentation of authority Consumer harm Violation of federal servicing regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this formal complaint against BMO Bank USA regarding its improper handling and denial of clearly unauthorized transactions on my account ( Account Number : XXXX ). I identified multiple unauthorized transactions of more than {$3700.00} involving XXXX and XXXX XXXX XXXX XXXX. I did not authorize, initiate, or benefit from any of these transactions. Documentation in my possession, including records from both XXXX and XXXX XXXX, indicates that other individuals are listed as account holders or recipients associated with these transactions, further supporting that the activity is fraudulent. Despite timely reporting these unauthorized transactions, BMO Bank denied my claims without providing a sufficient investigation, supporting rationale, or evidence demonstrating that the transactions were authorized. This failure raises serious concerns regarding BMO Banks compliance with its obligations under Regulation E and the Electronic Fund Transfer Act ( EFTA ), which require financial institutions to conduct a reasonable investigation into reported unauthorized electronic transactions. Compounding this issue, BMO Bank has restricted my account access, preventing me from logging in. As a direct result, I have been unable to file additional disputes or monitor ongoing unauthorized activity. This restriction has effectively blocked my ability to protect my account and mitigate further financial harm, which is unacceptable. I am formally demanding that BMO Bank : Immediately reopen and conduct a thorough, good-faith investigation into the unauthorized transactions totaling {$3700.00} in compliance with federal regulations. Provide all documentation and findings used to justify the denial of my initial claims. Enable me to file additional disputes or process them on my behalf without requiring online account access. Restore my account access or provide a secure alternative method for account management and dispute submission. Provisionally credit my account during the course of the investigation as required where applicable. I will be submitting supporting documentation, including bank statements and transaction records from XXXX XXXX and XXXX, which clearly demonstrate inconsistencies and third-party involvement. BMO Banks current actions have caused financial harm and have impeded my ability to resolve fraudulent activity. I expect prompt corrective action and full compliance with applicable consumer protection laws. Sincerely, XXXX XXXX ( Account Number : 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
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PulteGroup, Inc.
State: FL

Complaint narrative:
Outdated credit scoring models materially impacting mortgage qualification Large discrepancies between modern consumer scores and required mortgage scores Lack of transparency and consumer control

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: eMortgage Funding LLC
State: SC

Complaint narrative:
This refinance was obtained through coercion, repeated in-person pressure, and disregard of a written and verbal withdrawal. I am an older veteran and did not receive a net tangible benefit, my loan amount, term, and payment all went up. My payment is now 25 % higher than before, and I was harassed into signing. They sent lawyers to my home to scare me into refinancing. The company is Emortgage. I have a letter showing I asked to withdraw my loan with them, and even had a conference call with them and another loan officer I was working with to help me get out of this loan weeks before closing.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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