vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: WA

Complaint narrative:
Im writing to file a complaint against ALDOUS for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
Primary Company : GoodLeap, LLC ( and backend provider if applicable ) Third-Party Sales Dealer : XXXX XXXX XXXX XXXX XXXX I am filing an emergency consumer fraud complaint regarding a solar Power Purchase Agreement ( PPA ). My home goes live on the real estate market today, and the company 's UCC-1 fixture filing is clouding my property title, threatening to derail my transaction before my XXXX closing deadline. This agreement was originated through gross omission fraud and deceptive trade practices by GoodLeap 's authorized sales dealer, XXXX XXXX. The salesperson completely failed to disclose the 20-year cumulative costs, hidden financing markups, and long-term price escalators. Under the federal FTC Holder Rule ( 16 C.F.R. 433 ), GoodLeap inherits full civil liability for the deceptive marketing and structural omissions used by XXXX to secure this contract. Furthermore, due to severe utility interconnection delays, this system was only recently granted Permission to Operate. I have received XXXX historical utility savings. Because my very first payment is scheduled for this month and has not yet been processed, I have never made a single payment and have never ratified or accepted this fraudulent agreement. GoodLeap is attempting to enforce a brand-new 20-year billing obligation and hold my real estate title hostage for a system that was non-functional during my entire occupancy. I am demanding that GoodLeap immediately execute an emergency administrative audit of this file to either issue a Mutual Contract Cancellation with a permanent UCC-3 lien release, or provide a drastically reduced, fair-market cash buyout letter to my escrow company so my XXXX home sale can proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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 received the notification that there was a charge for {$1000.00} by a merchant called XXXX XXXX XXXX XXXX XXXXXXXX XXXX BMO said it was a manual input transaction where they had access to my card details and used it on a terminal to pull the funds I never provided my card details to anyone or made a purchase for this amount I reported the transaction as Fraud and I just had it reversed back, now my account is negative over {$1000.00} for a transaction I never authorized And please asking to have that transaction reversed

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a XXXX account, and received a email from the company to verify my account. The companies that sent the email was XXXX XXXX and the verification was done through XXXX XXXX The date was XX/XX/year> Upon verifying, which now I understand was a phishing scam. I started to receive multiple transactions of money being withdrawn from my checking account the same date. My bank immediately flagged it and called me on that date XX/XX/year> however, I feel that whoever handled this situation didnt use their best judgment or wasnt well trained on the situation. As a customer, I dont feel that they had my best interest, and instead were just following protocol. Because the associate who handled my fraud claim initially didnt freeze or change anything on my checking account, there was another scam that happened via XXXX within 24 hours. It wasnt until that XXXX fraud transaction that i realized my checking account information needed to be changed. The checking account was transferred to a new account number on XX/XX/year>. Then after the claims were submitted, Wells Fargo gave me a provisional credit for the first fraud transaction on XX/XX/year>. Only to reverse the credit on XX/XX/year> once they decided the claim was denied and then then essentially stonewalled me and blamed it on XXXX. I inquired if there was anything i could do to fight this denial from Wells Fargo, and was given the run around and told theres nothing i could do besides taking it to small claims court. Once i requested the merchant information to take it to small claims court, i was told that there wasn't much information they could give me about the merchant. I felt absolutely taken advantage of, and left in the dark with my bank. It's caused a lot of emotional and financial distress.

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 2026-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed a 1099c with irs and ask for debt validation and never received this and my credit report is stilll being furnished Furthermore, * * 15 U.S.C. 6802 * * establishes the obligation of financial institutions to respect the disclosure of personal information. Specifically, it mandates that I should be clearly informed prior to any disclosure of my personal information to third parties. I have not received appropriate disclosures regarding how my information may be used or shared, nor have I been provided with a clear mechanism to opt-out of such disclosures.

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 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I am filing a formal complaint against Rocket Mortgage for a severe and damaging violation of the Fair Credit Reporting Act ( FCRA ) regarding account accuracy during an approved hardship plan. Before entering into a formal mortgage forbearance agreement with Rocket Mortgage, my account was completely current and in good standing. Despite being enrolled in an active, authorized forbearance, Rocket Mortgage has inaccurately reported my account status to the credit bureaus as " Late XXXX days '' and " XXXX days or more past due. '' This administrative reporting failure has caused an immediate, unlawful XXXX drop in my XXXX XXXX. While Rocket Mortgage 's internal disclosures note that they may report that regular payments are not being made during the forbearance, they are legally prohibited under the FCRA from advancing my account status into an active, standard delinquency tier. Because my loan was 100 % current when the accommodation began, my delinquency tier should remain frozen at that baseline, accompanied by the mandatory regulatory forbearance codes. Rocket Mortgage 's automated reporting system completely failed to apply these codes, treating my file as a standard, unapproved default.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, an unauthorized, fraudulent transaction of {$410.00} from a merchant named " XXXX '' was posted to my credit card account. I have remained in continuous physical possession of my card and device, have never shared my account information, and have no relationship with this merchant. I immediately disputed the charge with the card issuer, Goldman Sachs Bank USA. Goldman Sachs has repeatedly closed this dispute in the merchant 's favor and rebilled my account, marking my fourth attempt to resolve this unauthorized charge. On XX/XX/XXXX, at the bank 's explicit request to provide documentation, I submitted a formal, written declaration of fraud via email, explicitly demanding the merchant 's documentary evidence under the Fair Credit Billing Act ( FCBA ). Goldman Sachs completely ignored this declaration, conducted no meaningful investigation, and failed to provide any valid proof of authorization ( such as an IP address, device ID, XXXX match, or proof of delivery/signature ). Instead, they merely provided a copy of my own billing statement showing the transaction amount, which does not constitute legal proof of authorization under the FCBA. They have since unlawfully reversed my temporary credit and rebilled my account yet again. The issuer is violating the FCBA by refusing to provide the required merchant documentation and repeatedly rebilling an un-investigated, unauthorized fraud charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 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: NY

Complaint narrative:
I disputed a {$400.00} charge from XXXXXXXX XXXX XXXXXXXX ( Case XXXX XXXX XXXX and two XXXX monthly charges from XXXX XXXX XXXX XXXX XXXX XXXX and # XXXX ) on my Capital One credit card. XXXX is not IATAcertified, and XXXXXXXX XXXX an illegal lease scheme covered by a NY Attorney General settlement ( XX/XX/XXXX ). I uploaded evidence through Capital Ones secure link using reference numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, including my XX/XX/XXXX cancellation demand and the XX/XX/XXXX call recording in which I told the XXXX agent : I tried to cancel twice now the terms are not favorable for me I never used anything. The agent refused, stating all sales are final. Capital One denied the {$400.00} dispute on XX/XX/XXXX, claiming missing information, refused to join the two XXXX charges, and closed the case without a reasonable investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EAST WEST BANK
State: CA

Complaint narrative:
I maintained a deposit account with East West Bank. The bank abruptly closed my account and returned funds that had previously been deposited into the account. Approximately {$23000.00} was returned from my account to XXXX or more originating accounts. However, the bank has refused to provide sufficient information regarding these returned transactions. I have requested details necessary to reconcile my account, including : The dates of the returned transactions ; The amounts of each returned transaction ; The transaction reference numbers ; Identification of which incoming deposits were returned ; and A final accounting showing how the account balance was calculated at the time of closure. The bank has declined to provide this information and has not provided a meaningful explanation regarding the disposition of the funds. As a result, I am unable to verify where the approximately {$23000.00} was sent, determine which deposits were returned, or confirm that the account closure and return of funds were processed accurately. I understand that a bank may have policies regarding account closures and may not disclose certain internal review procedures. However, I believe I should be provided with sufficient transaction-level information to identify the funds that were removed from my account and reconcile my records. I contacted the bank seeking clarification, but I have not received an adequate response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
On XX/XX/year>, TSI, a debt collector collecting on behalf of XXXX XXXX XXXX, sent a text message to a XXXX partys phone number belonging to a family member with whom I am estranged and whose number I have never provided to TSI or XXXX XXXX XXXX at any time. I only became aware of this contact when my family member notified me directly. The message disclosed my first name and an exact dollar amount allegedly owed to a person who has no involvement in this debt. My own phone number is active and reachable. There is no legitimate basis for contacting this XXXX party, and the disclosure of my name and debt amount to a XXXX party is a clear violation of FDCPA Section 805 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: CO

Complaint narrative:
On XX/XX/year>, an XXXX advance transaction was initiated with Dave, Inc. The company scheduled an automated single ACH transfer to withdraw the settlement funds from a linked external XXXX account on XX/XX/XXXX, XXXX the withdrawal took place, a formal Notice of Revocation of ACH Authorization was emailed to Dave, Inc. due to severe financial hardship. The notice explicitly revoked authorization for all automated electronic fund transfers and proactively offered to establish an alternative, manual payment plan to resolve the balance.Dave, Inc. responded via email and officially denied the request to revoke the automated withdrawal. The company stated they would not complete the request because of the outstanding balance, claiming that the single authorized transfer agreement is completely ineligible for cancellation.The company is using a single-transfer structure as a loophole to deny a consumer 's right to stop an electronic withdrawal. I am seeking a permanent stop to all automated ACH access by Dave, Inc. on my external account and an agreement to settle the outstanding balance through a manual payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Creditly Corp.
State: GA

Complaint narrative:
I had taken out a cash boost through credit genie. I opted to revoke my authorization for ach and debit payments from my linked account due to the apps limited customer support. I requested that my bank be deleted off the app and messaged the chat bot to revoke authorization. it replied and sent me this message " I understand you want to revoke ach and debit authorization if you have an open balance your payment method is locked in once your balance is fully paid you can deleted your bank or debit card. '' Which is illegal ( I do have a screen shot of this if I need to email it ) because I have the legal right to revoke authorization by law. XXXX minutes later they attempted to charge my bank XXXX. after I submitted a support ticket to revoke ach/debit. so I sent them an additional email. I have yet to hear from a live person on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am filing this complaint against Truist Bank in connection with a consumer installment loan originated under the XXXX XXXX for the purchase and installation of a water softening system by XXXX XXXX XXXX XXXX XXXX, Arkansas, in XXXX. I have a prior CFPB complaint on file against XXXX XXXX, the Program Administrator and servicer for this loan. Through XXXX response to that complaint, I learned that Truist Bank is the creditor and current holder of this loan. Under the FTC Holder Rule, Truist Bank as creditor shares liability for the sellers misrepresentations because the financing was arranged exclusively through the seller. I was not informed that a third-party lender would be involved in this transaction. I was given no alternative financing options. XXXX XXXX XXXX directed me solely to XXXX financing as part of the sale, making Truist Bank a participant in the original transaction and not a neutral third party. The sale involved the following misrepresentations and failures to disclose : A XXXX XXXX pack was promised as part of the purchase. XXXX sample was received after the sale. Nothing further has been received in over XXXX years. We were told the system would not increase our utility bills. Our utility bills have increased since installation. We were told the system would be a long-term, low-upkeep solution. We were not told that yearly inspections costing hundreds of dollars would be required, nor that tanks may need replacement at consumer expense within a few years. We were not told that the installation would be performed without a completed city inspection. A permit was pulled but never inspected, meaning the work on our main water line has never been officially approved by the XXXX XXXX XXXX, Arkansas. The system is now causing active water quality issues in our home. The XXXX XXXX are failing, the XXXX XXXX has failed and must be operated manually, and we are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These conditions are a direct result of the failed system and are contrary to every representation made during the sale. I am obtaining a quote for complete uninstallation of the system, which I will provide to both XXXX and the CFPB upon receipt. Complete removal is the only appropriate remedy given the systems condition and the health concerns it is now causing. I am requesting that the CFPB require Truist Bank to address its shared liability under the FTC Holder Rule and facilitate a fair resolution, which I believe should include cancellation or substantial reduction of the remaining loan balance to reflect the misrepresentations made during the original sale.

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 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I am submitting this complaint regarding PayPal 's continued withholding of my funds despite the resolution of the underlying transaction dispute. On XX/XX/year>, I filed a legitimate dispute through PayPal after XXXX XXXX failed to issue a promised refund. Shortly after I exercised my right to dispute the transaction, PayPal permanently limited my account. The dispute was subsequently resolved, and the full refund amount of {$960.00} was credited to my PayPal balance. Despite the successful resolution of the dispute and PayPal 's acknowledgment that the funds belong to me, PayPal has imposed a 180-day limitation on my account and is refusing to allow me to withdraw my money. As a result, I have been denied access to funds that are legally mine and are no longer subject to any active dispute, chargeback, or investigation. This action is causing severe financial hardship. I am a 90 % service-connected XXXX veteran and urgently need these funds to secure temporary lodging while awaiting placement in permanent housing. The continued freezing of my funds has created an immediate threat to my housing stability and has negatively affected my health and well-being. I believe PayPal 's actions are unfair and unreasonable because the disputed transaction has already been resolved and the funds have been returned to my account. Yet PayPal continues to withhold access to the money without providing a meaningful explanation or a mechanism for hardship review. The company 's decision to retain possession of my funds for 180 days effectively deprives me of access to money that I need for basic living expenses and housing. I am requesting that PayPal immediately review my account limitation and release the {$960.00} balance. At a minimum, I request a detailed explanation of the legal and contractual basis for withholding funds that have already been returned to me following a resolved dispute. I also request that PayPal consider my documented financial hardship and veteran status when evaluating this matter. XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a college football player and have never used, invested in, or conducted any business with cryptocurrency platforms. Despite this, several crypto exchanges XXXX, XXXX, XXXX, and XXXX transferred a combined {$41000.00} from my bank account to their platforms without my authorization. I have not recovered any of these funds. I believe my personal email was compromised during a period when I was locked out of my account. During that time, I believe an unauthorized party used my email to create accounts on these platforms and linked my bank account and routing number to facilitate the transfers, likely assuming I would not notice. The unauthorized transactions are as follows : XXXX {$14000.00} XXXX {$12000.00} XXXX {$12000.00} XXXX {$2500.00} Total : {$41000.00} I contacted my bank regarding these fraudulent transactions and was advised to reach out to the merchants directly. I am formally requesting the immediate return of my funds, as these transactions were not authorized by me in any capacity.

Company response to consumer: Closed with explanation