vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-05-29 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: FL

Complaint narrative:
I closed my PayPal account due to fraudulent transactions, I require my past financial transaction statements for tax or legal purposes and for my credit card fraudulent charges and customer service is refusing to provide my legally mandated financial records. Paypal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
e issue is that USAA is charging me for two balance transfers when only one valid transfer was successfully completed. I initially attempted to complete a balance transfer using the USAA mobile app. However, when I called approximately one week later for a status update, I was informed that I was required to call after submitting the request in order for it to be processed. I then attempted to submit another balance transfer request by using USAAs automated keypad system to enter the 16-digit XXXX card number. The system did not allow pauses and would restart the process if an error occurred. During this process, I accidentally entered an incorrect card number. I later realized the error after noticing that the funds never posted to my XXXX account. I contacted USAA, opened a dispute regarding the failed transfer, and then created a third balance transfer using the correct card number. That transfer was processed successfully, and the funds were received by XXXX. The original dispute case was later closed because USAA stated they were expecting additional information from me. However, I was never notified, contacted, or advised that further action was required on my part. Afterward, I discovered that USAA was still charging me for the balance transfer associated with the incorrect card number. I disputed the transaction again, but I was advised that USAA would stand by its original findings. USAA requested the full 16-digit card number that was mistakenly entered. However, I only had access to the last four digits based on the documentation provided to me. USAA also stated that they could only view the last four digits on their end. Due to the lack of resolution, I escalated the matter to the CEO Member Relations team and began maintaining a detailed call log of all communications. A CEO representative later opened a case with the backend processing team, and a XXXX case was created under reference number XXXX. After several follow-up calls, I was ultimately informed that the funds could not be recovered because neither USAA nor the backend team had the full card or account number where the funds were sent. I had attached statements and letters from USAA and a timeline of the events. I also called XXXX and they advised that this is not something they can look into for me because they did knot initiate the request. Cases Reference Type Number Dispute Case XXXX Balance Transfer Ref XXXX Dispute Case XXXX CEO Case Ref XXXX XXXX Request XXXX USAA is refusing to give me the information i have requested.

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 2026-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
NEWREZ furnished information to XXXX indicating that my mortgage account was associated with a " Bank Adjustment / Deed in Lieu / Bank Liquidation '' event. No such agreement, negotiation, or transaction ever occurred. Despite the absence of supporting documentation, NEWREZ furnished information that falsely suggests a distressed mortgage disposition and has damaged my credit profile. I request immediate correction and deletion of all inaccurate reporting.

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 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I attempted to use Remitly 's money transfer service, but my account was immediately locked for identity verification. When I contacted support to resolve this, the representative insisted that I submit a copy of my government-issued ID and personal bank statements as unencrypted attachments via standard email. I informed the agent that standard email is insecure and that transmitting sensitive Personally Identifiable Information ( PII ) in this manner violates data protection best practices. I offered to provide these documents via a secure, encrypted link ( XXXX XXXX ), but the agent refused, falsely claiming that sending PII via unencrypted email is a 'secure way ' for them to receive data. This practice forces customers to choose between using the service and risking their identity security. I am seeking a secure, encrypted, and compliant method to submit my verification documents. Forcing users and falsely claiming that email is " secure '' way to share PII data is dangerous and financial companies should not put their potential customers at risk!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
XXXX accessed my private data through the Dept of education without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
To the CFPB, I am writing to file a formal complaint against Citibank ( CBNA ) and the credit reporting agencies for their egregious failure to resolve a severe case of identity theft, which has caused devastating harm to my credit profile. I am a victim of identity theft. A fraudulent Home Depot credit card account ( THD/CBNA ) was opened entirely without my knowledge or authorization. The perpetrators ran up a balance of {$2800.00} and abandoned it, causing it to be wrongfully reported as a " Charge-off '' under my name. I have already taken strict legal action. I filed an official report with the police department regarding this identity theft. Furthermore, I have previously sent written dispute letters along with supporting documents directly to Citibank to clear my name. Despite receiving my police report and written disputes, Citibank and the credit bureaus have been extremely negligent. They have engaged in finger-pointing, failed to conduct a proper investigation, and refused to remove this inaccurate information. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). The consequences of their negligence are severe. Because this fraudulent {$2800.00} charge-off remains on my report, my FICO score plummeted to XXXX. Consequently, my perfectly in-good-standing credit card with XXXX XXXX XXXX was abruptly closed by their risk department on XX/XX/year>. I am completely innocent. I urgently request the CFPB to intervene, compel Citibank to review the attached Police Report, and enforce the immediate and permanent deletion of this fraudulent THD/CBNA account from my credit files.

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 2026-05-31 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: OK

Complaint narrative:
My account is still on hold even though all the claims have been closed and I was told that my account would close XXXX days after XX/XX/XXXX which is a lie then I was told XX/XX/XXXX which is another lie They also said they would not accept any deposits after XX/XX/XXXX which they did and now they wont release the money to me which were deposited on XX/XX/XXXX by XXXX XXXX ( XXXX 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 2026-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Collection on account that is not mines from XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am filing a complaint against PayPal regarding the permanent limitation of my account and the continued XXXX hold placed on my funds without sufficient explanation or justification. PayPal permanently limited my account after I received payment for collectible toys that I sold and shipped to a legitimate buyer. The buyer is a well-known online toy reseller, and this was a lawful sale of physical goods. I provided PayPal with all documentation they requested, including : * Tracking information showing the packages were shipped and delivered * A copy of my identification * A description of the items sold * Information regarding the transaction and buyer Despite fully complying with every request, PayPal still permanently limited my account and continues to hold my funds for XXXX days. Additionally, the buyer was apparently not given an option through PayPal to confirm receipt of the packages, even though the items were delivered successfully according to tracking records. There have been no chargebacks, fraud claims, or disputes filed regarding this transaction. PayPal has failed to provide a clear explanation for : * Why my account was permanently limited * Why my funds are being held despite verified delivery and compliance with all requested documentation * What specific policy violation allegedly occurred * Why the hold period remains necessary I believe PayPal is unfairly withholding my money without adequate justification. These funds belong to me from a legitimate sale of personal property, and I have acted in good faith throughout the process. I am requesting that PayPal : XXXX. Conduct a meaningful review of my account XXXX. Release my held funds immediately XXXX. Provide a clear written explanation for the permanent limitation decision XXXX. Correct any inaccurate fraud or risk determinations associated with my account Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-31 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: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
In XXXX XXXX XXXX XXXX met with my family and me concerning their ad about getting a solar system for residential use. The sales rep said that after it was installed, I would have no electric bill and that XXXX XXXX would pay me for the excess electricity I would be sending to the grid. XXXX XXXX contacted Goodleap for the solar loan. Since XXXX XXXX has gone bankrupt, I am seeking redress through the lender, Goodleap. My solar system does NOT produce enough kWH for the XXXX XXXX sales pitch promises to come true. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XXXX XXXX I filed a dispute because XXXX auto charged me XXXX XXXX charge was XXXX the second charge was XXXX first commonwealth bank reversed the dispute because the merchant send a refund that refund arrived XX/XX/XXXX the merchant XXXX XXXX did not return the XXXX the bank then reversed the dispute credit for XXXX and XXXX when I only received XXXX refund so then they reversed the XXXX credit and made me pay back the XXXX they then took XXXX outta my checking account pulling me in XXXX dollers in overdraft XX/XX/XXXX they went back and reversed the XXXX credit again bringing me XXXX dollers in the negative the very next day XX/XX/XXXX the merchant refunded the XXXX Plus I received a XXXX XXXX XXXX they also took that out my account along with the XXXX it took the merchant a month to send the XXXX doller credit and I did not give them permission to take the money it was legitimate fraud on the merchants part and it took a month to get the funds so they bank had no business reversing the credits they received both refunds and already took money outta my account due to them taking the refunds and what I had left in my account I would like the dispute credit returned to my account because I was only XXXX in overdraft they also told me the XXXX was my job to handle with the merchant only for them to continue requesting the money from XXXX and they never even told me it came they just kept it thats illegal so In all reality I only owed them XXXX so they should have left me with XXXX outta the XXXX and they should return the XXXX XXXX XXXX to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
My debit card was stolen or lost. It is always in my wallet but sometime close to the middle or end of XXXX I started noticing charges that I didnt make I disputed them. Ask for a new card to be ordered. It was but before I received the new card it was being used in other parts of the XXXX XXXX. They canceled that XXXX and ordered a new one. I received it on XX/XX/year>. I have been trying to activate it since XX/XX/year>. It is still not activated. I keep getting told by customer support members that I have to wait XXXX days for it to be activated. XX/XX/year> marked XXXX days since receiving the card, it is also the completion of the fourth set of XXXX days of waiting for it to be activated. To me this is punishing me for something I didnt do, nor did I have control of. How can an unactivated debit card be used?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
CREDIT COLLECTION SERVICES AGREED TO A PAY FOR DELETE. THIS DEBT WAS PAID IN THE AMOUNT OF {$96.00} AND I HAVE A COPY OF PAYMENT TRANSACTION. THIS ACCOUNT IS STILL REPORTING ON MY CREDIT PROFILES. THIS DEBT IS PAID I AM DEMANDING THIS TO BE BLOCKED AND DELETED FROM MY PROFILES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
In the fall of XXXX XXXX XXXX, through deceptive sales tactics, told me that I was eligible for a free tablet and smart watch promotion, however upon receipt of my bill these were not free and were in fact a promotional tactic used to open up additional lines on my account without my consent. I returned the items to XXXX and was told that the lines would be closed and I would not be charged for the devices or the lines. Over the following XXXX months they failed to adjust the bill to reflect the canceled lines and returned devices and I refused to pay the amount that they continued to attempt to bill me. Numerous phone calls were made to XXXX XXXX customer care and each time I was promised that the bill would be adjusted but it never was and they continued to accrue late fees for failing to pay despite the billed amount being extremely incorrect. I even went into a XXXX store in XXXX XXXX in the spring of XXXX to try to get this corrected but they said I had to call customer care, and we went round and round. They eventually canceled my phone number and my son 's for failure to make a payment, but I did not know what the bill actually was because literally leading up to the final months they continued to tell me they would be correcting my bill. I asked for my billing records when they attempted to collect the debt and XXXX XXXX failed to provide the documents to me saying I can check online, however without the phone number I no longer had XXXX factor authentication ability. I asked they be sent by mail and they said they couldn't go back that far. Finally, in XXXX of XXXX XXXX XXXX removed the debt. Yet in XXXX of XXXX, XXXX sold the debt to a collections agency, still having not provided me with proof of the debt. That collection agency is : Jefferson Capital Systems Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX I called Jefferson to dispute the debt and request proof of the debt and an accounting of the months where XXXX wrongfully and fraudulently opened extra lines on my account using deceptive sales practices and the subsequent adjustments. They too have failed to provide any supporting documentation of the debt. I have disputed this through the credit agencies and they are still clouding my credit history despite a failure to provide proof, account history, etc. They refuted the dispute but still fail to provide proof of the debt and this is over XXXX years go.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
on XXXX XXXX XXXXXX/XX/XXXX i got a call from td bank saying that theres fraud alert on my debit card. they asked me if i made certain purchases which i was not familiar with at all especially since i dont use the debit card for any purchases. the representative said in that situation he has to dispute the charges, close the card and send a new one. about an hour later he called again to inform me that in addition to closing the card he also has to put my account on the highest level security. when i checked for myself to see the transactions i notice about XXXX $ in unfamiliar transactions. fast forward to XXXX night XXXX XX/XX/XXXX. i open my phone after a XXXX day holiday ( XXXX ) and i see my card which was apparently closed and account on highest level security had an additional XXXX $ in fraud transactions. this is extremely unacceptable and negligence that td somehow allowed the fraudster to reopen my debit card and continue using the card. when i called up td to discuss this they had no explanation on how this could've happened. the representative explained that it would take XXXX business day to receive a provisional credit while the case is being assessed. when i called XXXX business days later on XXXX XXXXXX/XX/XXXX the representative told me he sees the disputes but it doesn't take XXXX business days it takes XXXX business days. in addition to severe lack of security thats an extreme flaw of customer service communication. its now 10 days later and im missing XXXX $ ( about ). i need this figured out asap and i need to know if my funds will be secure in td going forward or if i need to switch banks due to lack of security and extreme negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-31 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: Data Mortgage Inc.
State: GA

Complaint narrative:
This response is disputed. XXXX XXXX XXXX Data Mortgage Inc. ) can not disclaim responsibility for this matter. XXXX was the entity that initiated and conducted the foreclosure process, including the recording of the Deed Under Power and assertion of ownership following the alleged XX/XX/year> foreclosure sale. After taking these actions, XXXX transferred the loan and/or servicing to XXXX XXXX XXXX XXXX XXXX. Now, XXXX claims it is not the appropriate company to address this complaint. This position is inconsistent with its prior conduct and is rejected. The issues raised in this complaint directly involve : XXXX authority to foreclose ; The validity and timing of assignments ; Actions taken during active litigation and after a filed lis pendens ; Representations made regarding ownership and transfer of the loan. XXXX XXXX XXXX XXXX XXXX, as the current servicer and/or claimed investor, is relying on the same disputed foreclosure and chain of title initiated by XXXX. Accordingly, both XXXX and XXXX are jointly implicated in this matter. A transfer of servicing does not eliminate liability for prior actions, nor does it resolve disputes related to standing, authority, or validity of foreclosure.

Company response to consumer: Closed with explanation