vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
Rec 'd Letter from XXXX XXXX noting changes to my XXXX account, the changes which are a change in the interest rate BASED on four factors, according to the letter and accompanying form. The four " Key factors that adversely affected your ( my ) credit score '' include one factor being " Proportion of loan balances to loan amounts is too high ''. ( other factors are : Ratio of balances on revolving accounts ; Time since most recent account opening ; and Amount owed on revolving accounts too high ) Verifying with specifically the Credit bureau that the letter and form refer to, XXXX, that there is no disproportionate loan balance to loan amount on my report, and that they did NOT report any loan balance proportion to loan amount as too high, XXXX XXXX when confronted with this information, only notes that rates are going up across the board, and that their rates are still the most competitive, simply not addressing why they claim I have disproportionate loan balance to loan amount. I specifically questioned then if it is an across the board issue, why then do they state that I have a loan balance too high when the ONLY loan I have is a home mortgage that is actually for less then 37 % of the home value - and they can not answer this. Making a statement that is false, claiming the Credit Bureau gave them this information when the Bureau can and does verify they did not give Loan balance proportion to loan amount, is fraudulent - and unethical simply to justify raising interest rates instead of simply stating they want to raise their rates to increase revenue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am formally requesting a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I am actively disputing inaccurate information on my credit file and require the freeze to protect the integrity and security of my report during this process. I request that this freeze be implemented immediately and that I receive written confirmation of its activation without delay. Prompt action on this matter is essential to prevent potential harm from unauthorized access to my credit information. Thank you for your immediate attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
I am submitting this complaint regarding the permanent deactivation of my PayPal business account. I maintained a PayPal business account for approximately 25 years with a long-standing, compliant history. On XX/XX/2026, PayPal permanently deactivated my account without prior notice and without providing a clear explanation. At the time of deactivation : No funds were held in the account There were no pending disputes, chargebacks, or unresolved issues to my knowledge PayPal did not identify a specific violation of its Acceptable Use Policy PayPal has indicated that the decision was based on internal risk or compliance determinations, but has not confirmed whether a manual compliance review was conducted or whether the decision was made solely through automated systems. Given the length of my account history and the absence of funds or disputes, I believe this action may have been taken in error. I have reviewed PayPals published policies and do not see any activity that would warrant permanent deactivation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I made a payment of {$5400.00} after being approved for a loan modification. Planet Home Lending later stated in writing that the loan modification was not updated in its system until XX/XX/year>. Planet also acknowledged reporting the account as XXXX days late for XX/XX/year> while simultaneously noting Partial Payment Agreement. XXXX XXXX XXXX The XXXX payment was made before XXXX updated the modification in its system, and the payment was applied under the prior loan status rather than under the modified loan terms. I dispute the accuracy of the XX/XX/year> late reporting because the payment was made and accepted during the loan modification transition period before Planet completed its internal system update.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a balance transfer on my Citi Bank card that was set to expire ON XXXX that was at {$5300.00} so I made payments OF XXXX ON XXXX, {$1000.00} ON XXXX AND {$270.00} ON XX/XX/XXXX TOTALLING {$6000.00} to pay off the amount before it expired so I wouldn't be charged interest, but the company allocated it to a balance transfer that XXXX just paid for that didn't expire until XX/XX/XXXX that had 1.99 % interest and even when the balance transfer expired and it jumped to 27.99 % XXXX payments for {$270.00} each were applied to the 1.99 % amount and am now being charged 27.99 % on almost {$6000.00}. XXXX tried talking to people with Citi and I get robotic responses from call center employees. Nobody will help me. I have NEVER made a late payment, ent or carried a balance that pays interest. Now I am being charged {$120.00} in interest a month when all I was trying to do is be responsible. I don't have the money to pay another {$5400.00}. Please help me because no one at Citi will.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On or about XX/XX/year>, I sent two international wire transfers through my Capital One account. XXXX transfer was approximately {$90.00} and the second transfer was {$6100.00}. Shortly after the transfer, I discovered that I had been the victim of a fraud/scam involving the wire recipient. On or about XX/XX/year>, I contacted Capital One immediately to report the fraud and request assistance. I was informed that a XXXX recall/request would be initiated regarding the fraudulent wire transfer and that I would be updated on the status of the investigation. However, Capital One did not provide meaningful follow-up or status updates regarding the recall or investigation. Each time I attempted to obtain information, I had to contact Capital One myself, and I was repeatedly told there was no update. It has now been approximately one year, and I still have not received a clear explanation regarding whether the receiving bank responded, whether any funds were recovered or frozen, the outcome of the XXXX recall, or the final determination of the investigation. I am requesting a written explanation of the actions taken by Capital One regarding this wire fraud report, information regarding the XXXX recall and any responses received, the final outcome/status of the investigation, and copies or summaries of relevant investigation records and communications. This complaint concerns Capital Ones handling, communication, and follow-up regarding the fraud investigation and wire recall process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing this complaint regarding Apple Card/Goldman Sachs handling of disputes related to incomplete and materially misrepresented business services provided by a merchant identified as XXXX XXXX. I disputed a {$1100.00} website development charge and a {$490.00} XXXX Ads management charge because the services provided were incomplete and not delivered as promised. Apple Card/Goldman Sachs repeatedly ruled in favor of the merchant despite the evidence I submitted. However, they did reverse XXXX separate {$490.00} charge, which shows that concerns regarding the merchant and services were valid. Regarding the website development charge, the merchant stated over the phone that he could complete a new website before the XXXX holiday season so our business could generate more revenue during the holidays. Based on those representations, we paid {$1100.00} for the website. The website was never completed despite the merchant repeatedly stating that it was complete. Only XXXX out of XXXX perfumes were uploaded to the website, and many additional inventory items including gift boxes, incense, incense burners, air fresheners, and designer bottles were never added even though the merchant confirmed receiving the files and inventory information. In addition, the cart and checkout functionality was not properly working, preventing customers from making purchases and preventing our business from properly receiving payments. We repeatedly contacted the merchant requesting corrections and completion of the website, but the issues were never fully resolved. Regarding the {$490.00} XXXX Ads management charge, the advertising campaign performed substantially worse after the merchant made changes. The campaign generated unusually expensive clicks, keywords became disapproved, and the ads became ineffective compared to their prior performance. I submitted screenshots, communications, before-and-after performance evidence, proof of incomplete inventory, and supporting documentation showing the website was not complete despite the merchants claims. I also provided evidence showing repeated requests for corrections that were not properly addressed. Despite the extensive documentation submitted through multiple dispute attempts, Apple Card/Goldman Sachs continued ruling in favor of the merchant without adequately addressing the evidence demonstrating incomplete and materially misrepresented services. I am requesting a proper review of the evidence submitted and reimbursement for the disputed charges related to services that were incomplete and not delivered as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am submitting this complaint to formally document repeated operational failures by U.S. Bank involving high-value check deposits and to ensure the record clearly reflects that I bear no responsibility or fault in these events. I have been a U.S. Bank customer since XXXX. First incident On XX/XX/XXXX, I deposited a {$380000.00} check payable to my daughter at the XXXX branch, XXXX XXXX. A branch employee handled the transaction and recommended opening a savings account for my daughter to receive the funds. The account later appeared in my online banking view under my Power of Attorney access, and I reasonably believed the deposit was completed correctly. In the following weeks, my daughter never saw the account or funds in her own banking view. After significant delay, I contacted the payer, who confirmed the check had been withdrawn and provided the deposited check image. When I returned to the branch, I was informed that the funds had been deposited back into a newly opened account ( ending with XXXX ) belonging to the payer, with me listed as PoA. The named payee received nothing. No corrective action, apology, or remediation was offered, and I was only instructed to resolve the situation privately with the payer. Second incident Because of the first failure, the payer reissued a replacement check, which I deposited at a different branch on XX/XX/XXXX. During this transaction, the {$380000.00} check was entered into the system as {$380.00}. This error was only caught because I reviewed the receipt right before leaving the counter. The cashier corrected it in the system without saying anything. And later I found it shows nothing in my banking view. Had it not been discovered immediately, it would have resulted in further loss of time and potentially severe complications. Systemic concern These two incidents occurred within a short time period, involved the same high-value amount, and arose from separate transactions and staff. Together, they demonstrate a breakdown in operational accuracy and verification controls rather than isolated human error. At no point did I contribute to or cause these errors. I am submitting this complaint to ensure that the record accurately reflects repeated bank operational failures and that I bear no responsibility or fault. I request that U.S. Bank provide a written response addressing root cause, accountability, and corrective actions.

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 monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MA

Complaint narrative:
To whom it may concern, I signed up for services through XXXX XXXX After a few months, I kept receiving charges for the phone that was supposedly free because i switched over from XXXX XXXX XXXX. They told me that the charges would be removed once the system is updated. I checked the following month again, only to be told to ignore it, the system will fix itself. I opted for auto payment and did not realize I was still getting charged. Once I reached out to them again, they told me that it was too late for them to do anything about it because the promotion was no longer being offered. After many back-and-forth phone calls talking to managers, none of them were willing to take the charge off. I terminated my plan and switched to a different carrier. Now I'm receiving a call from a debt collector, Credence Resource, demanding I pay the amount + additional charges included in the bill. Please help me remove the charges from my bill because this was an unfair practice, and now I'm getting harrassed for charges {$550.00} for the original amount + {$110.00} for fees. that I should not be liable for. I believe these charges stemmed from the 2025 charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: MN

Complaint narrative:
I contacted IQ Data XXXX regarding a collection account for a former rental. Upon receiving their charge report, I identified four transactions dated XX/XX/XXXX, totaling {$500.00}, categorized as damages and cleaning fees. My lease at the property did not begin until XX/XX/XXXX, nearly 20 months after these charges were dated. These charges can not belong to my tenancy. I called IQ Data to dispute this. The representative acknowledged the dates were incorrect but referred to it as human error and refused to remove the charges or adjust the balance. The current balance being collected is {$1900.00} including interest. I also have the property 's own internal resident ledger, which does not contain these four transactions anywhere. The collection agency 's charge report and the property 's own records directly contradict each other on {$500.00} worth of charges. Additionally, a {$200.00} security deposit collected at move-in was never credited against the balance. A {$300.00} month-to-month fee was also assessed at move-out. I had been in active discussions with a property associate regarding transferring to a two-bedroom unit at the same property and had no intention of leaving. The associate was let go during a management transition and no handoff was made. I made four to five calls per week for nearly three weeks attempting to follow up. None were returned. The property manager at the time later acknowledged in writing that the voicemail system was not functioning during this period, causing resident calls to go completely unanswered. I provided written notice of my move-out date on XX/XX/XXXX, 24 days before leaving, in an email to the property manager. The month-to-month fee was assessed despite this written notice being on record. Formal written disputes have been submitted to IQ Data XXXX, the original property management company, and all three credit bureaus. This inaccurate account is actively preventing me from securing housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I deposited a {$2800.00} check into my Capital One checking account that I have had over a year, never overdrawn, and always had direct deposits. When I called and asked why I havent even received {$270.00} they had no answer. They stated account was verified etc and refused to release the funds early.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
PopularAuto/BancoPopulardePuertoRico acknowledged receipt of the first notice on XXXX but failed to respond within the tenday period prescribed by law. Their silence constitutes administrative default and tacit admission of all statements contained in the notice, under evidentiary principles and 28U.S.C.1746. The contract they are enforcing is structurally defective and unenforceable. It lists XXXX as seller, but the only signature belongs to XXXX, a hidden intermediary. PopularAuto appears only as a logo and later acted as collector and repossessor without disclosure or assignment. Signature Requirement UCC3401 ( b ) : An instrument is not enforceable against a person unless signed by that person or an authorized agent. PopularAuto never signed the contract. Statute of Frauds UCC2201 ( 1 ) : A contract for the sale of goods over {$500.00} is not enforceable unless there is a writing signed by the party against whom enforcement is sought. No such writing exists for PopularAuto. Value and Considera tion UCC3303 ( b ) : The maker has a defense if an instrument is issued without consideration. PopularAuto provided no value or consideration. Attachment and Enforceability of Security Interest UCC9203 ( a ), ( b ) ( 1 ) ( 3 ) : A security interest attaches only if ( 1 ) value is given, ( 2 ) the debtor has rights in the collateral, and ( 3 ) the debtor has authenticated a security agreement. None of these conditions were met. Perfection of Security Interest UCC9308 : A security interest is perfected only when it has attached and all applicable requirements are satisfied. PopularAutos claimed lien is unperfected and void. Finance Charge Disclosure 15U.S.C.1605 ( a ) : The contract misclassifies insurance premiums and finance charges, violating the TruthinLendingAct ( TILA1638 ( a ) ( 1 ) ) and XXXX. Banking Restrictions 12U.S.C.83and24 ( Seventh ) : Banks are prohibited from lending their own capital and may only deal in securities ; PopularAutos conduct exceeds lawful banking powers. Elder Protection XXXX : The consumer, XXXX signing, lacked understanding of the contract terms. Destruction of Records 18U.S.C.1519 : The dealership admitted destroying the original contract, constituting obstruction and concealment. In summary, PopularAutos enforcement is voidabinitio under UCC3401 ( b ), 3303 ( b ), 9203 ( a ), ( b ) ( 1 ) ( 3 ), 9308, 2201 ( 1 ), TILA1638 ( a ) ( 1 ), 15U.S.C.1605 ( a ), 12U.S.C.83, 12U.S.C.24 ( Seventh ), XXXX, and XXXX. Exhibits attached show each pages contradictions and statutory violations, and the institutions default by silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital has failed to provide original creditor documentation, assignment records, proof of ownership, or any verification that establishes their legal right to report or collect on this alleged debt. Reporting a collection without proper validation violates FCRA 623 ( a ) ( 3 ), which requires furnishers to report only accurate and fully substantiated information. Under FCRA 611 ( a ), if a furnisher can not validate an account through original source documents, the information must be removed. Because Jefferson Capital has not provided the required documentation, I am requesting immediate deletion of this tradeline from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 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: WI

Complaint narrative:
This is a continuation of Complaint # XXXX. Cash App closed my previous complaint by falsely claiming to the CFPB that they could not verify my identity. However, as the attached email screenshots prove, I successfully provided all requested ID verification and account details to their support team on these dates. I am submitting this second complaint to provide the proof that Cash App verified my identity, yet lied to the XXXX to avoid refunding my {$47.00} for a merchant error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Onity Mortgage double funded my Escrow at the end of the year. Now they're trying to increase my mortgage payment by XXXX a month to make up for their mistake. I have tried over and over to get them to correct the issue with no resolution in sight.

Company response to consumer: Closed with explanation