vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: WA

Complaint narrative:
On XX/XX/year> I received a notice from XXXX XXXX, WA that my property taxes were not paid. As my property taxes are escrowed by my mortgage servicer I contacted them the same day ( XXXX of XXXX - LoanCare or LoanCare ) to find out why. LoanCare indicated that the settlement agent at closing was supposed to pay the property taxes. I reached out to the settlement agent, XXXX, for confirmation, and they sent me a copy of the settlement statement which shows they cut a check for the first XXXX months property taxes and sent it to XXXX of XXXX LoanCare which they have records the check was cashed. I called back to XXXX of XXXX to notify them that this money was in their possession, they requested that documentation be sent to XXXX. I did that. No one followed up with me about the uploaded information. I called LoanCare back on XX/XX/year> to see if they had received the information and if they had made arrangements to pay the property taxes. The initial CSR I spoke to indicated the property taxes were paid back in XXXX, but that was before the loan originated, and then indicated that they did not receive the check. Eventually the CSR " escalated '', my case. I was told they would reach back out the following week. I received an email on XX/XX/year> confirming the case was escalated and that someone would call to follow up. I have received no follow up calls. As we are nearing the middle of the month, and my taxes are already XXXX days late, I need this resolved ASAP before my local jurisdiction takes action against my property or begins enacting late fees.

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 2026-06-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my XXXX Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am requesting the immediate return of the excess loan amount that were sent to Hyundai XXXX after my vehicle was declared a total loss on XX/XX/26. Hyundai represented a payoff amount of {$4100.00} in which XXXX provided. However, the remaining amount of my loan was only {$1000.00}. I was told I will be receiving a refund of {$3000.00} via check delivered to my residence in the mail. I have not received this check, when speaking with Hyundai XXXX I was told the check was sent 3 weeks ago. When I called today they informed the check was sent to an " XXXX '' but they did not have an address or more information.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have repeatedly requested proper validation and documentation regarding the following accounts : Account # XXXX / XXXX ( {$750.00} ) Account # XXXX / XXXX ( {$590.00} ) Portfolio Recovery Associates continues reporting these accounts and the credit bureaus continue verifying them despite significant reporting discrepancies. I never received the initial notice regarding these alleged debts. I have requested documentation multiple times. Instead of providing the records requested, Portfolio provides account summaries and information generated by Portfolio itself. An invoice or account summary created by the company attempting to collect the debt is not the documentation I requested. I requested documentation supporting the debt, including : Original creditor information Original agreement or contract Complete payment history Date of default Date of last payment Itemized balance calculation Documentation establishing ownership of the debt Bills of sale and assignment records Documentation supporting the information furnished to the credit bureaus The reporting itself contains discrepancies. Account # XXXX / XXXXXXXX XXXX reports : Collection/Charge-Off Date Opened XX/XX/XXXX Date Last Active XX/XX/XXXXXXXX XXXX reports : Collection/Charge-Off XXXX Opened XX/XX/XXXX Date Last Active XX/XX/XXXXXXXX XXXX reports : Late XXXX Days Past Due {$750.00} Account # XXXX / XXXXXXXX XXXX reports : Collection/Charge-Off Date Opened XX/XX/XXXX Date Last Active XX/XX/XXXXXXXX XXXX reports : Collection/Charge-Off Date Opened XX/XX/XXXX Date Last Active XX/XX/XXXXXXXX XXXX XXXXXXXX : Late XXXX Days Date Last Active XX/XX/XXXX Date of Last Payment XX/XX/XXXX If Portfolio has documentation supporting these accounts, why does the reporting differ across the nationwide consumer reporting agencies? If the accounts were verified, who verified them? What documents were reviewed? How can the same accounts report different dates, different activity histories, and different payment statuses while being represented as accurate?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Dear XXXX Support, I am writing to formally appeal the denial of my dispute regarding the unauthorized transactions from the fraudulent XXXX XXXX account associated with XXXX XXXX XXXX XXXX I find the explanation that each transaction is reviewed individually to be inconsistent with the facts of this case. XXXX has already investigated and approved a refund for XXXX specific transaction of {$4.00}, acknowledging it as fraudulent and within policy guidelines. It is logically inconsistent to conclude that XXXX transaction from this specific source is unauthorized while several other charges from the exact same fraudulent account are deemed legitimate. Under the Electronic Fund Transfer Act ( Regulation XXXX ), as overseen by the Consumer Financial Protection Bureau ( CFPB ), financial institutions are required to conduct a reasonable and thorough investigation into unauthorized electronic fund transfers. Failing to apply the same standard of evidence to identical transactions from the same fraudulent source raises serious concerns regarding the adequacy of your investigation process. I am requesting that this matter be escalated to the highest possible level of review. I am appealing the decision not only for the transactions previously discussed but for every single unauthorized charge on my account originating from this specific XXXX XXXX user. I have been a loyal customer for years, processing significant volume through your platform, and I expect a resolution that aligns with consumer protection standards and the evidence already acknowledged by your team.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I had dollar XXXX of cash rewards earned by using a credit card card issued to me from Capital One. I earned these XXXX XXXX over years. Capital One closed this credit card XXXX of last year and sent me {$100.00} check because I had a credit balance of XXXX dollars on this credit card, however they did not send me the cash rewards that I earned worth {$400.00} plus. I contacted them, but they told me since your account is closed.m, we can not reimburse you your rewards. These were not point rewards. These were cash rewards. Since the credit card is closed, they would not even give me the full credit card number. The credit card ends with XXXX and theyre able to search this credit card using my first last name my zip in the card number last XXXX digits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Klarna AB
State: VA

Complaint narrative:
Klarna has been paid in full since mid XXXX. They have neglected to update a XXXX balance on XXXX, XXXX, and XXXX. Creating issues with score aka fico. Representative provided me with documents of payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
In XXXX and XX/XX/year>, I was a customer of XXXX XXXX. XXXX charges of {$640.00} each appeared on my account that I did not recognize and could not verify. I contacted my bank ( XXXX ) and opened a dispute because the activity looked suspicious. While the dispute was open, XXXX XXXX locked me out of my unit, threatened a XXXX, and demanded immediate payment. Under pressure and without clear information, I made a payment of {$1400.00} to regain access to my belongings. XXXX completed its investigation and reversed both {$640.00} charges, determining the merchant had not justified them. This means the disputed amounts were credited back to me and the charges were not valid. Despite this, XXXX XXXX did not correct their internal records and later referred the account to Cedars Business Services for collection. Cedars is now attempting to collect a balance that is not owed, because the underlying charges were reversed by Chase and the account should have been corrected by XXXX XXXX. I requested information and clarification from XXXX XXXX, but they did not provide documentation supporting the debt or explaining why it was sent to collections after the bank reversed the charges. I am requesting that Cedars stop collection activity, that this debt be closed as not owed, and that XXXX XXXX correct their records to reflect the banks reversal of the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I initially filed a report XXXX and closed it based on the fact that M & T Bank and its employees agreed to run another escrow analysis on last week. The previous analysis was ran on XX/XX/XXXX of this year and M & T Bank decided to charge a new mortgage rate of {$2500.00} based on the projected interest, taxes, and insurance coverage ( from following year for the latter ). However, I changed insurance companies on XX/XX/year>, BEFORE the new escrow analysis was ever ran. I requested a new one to be ran on XX/XX/year> and M & T Bank adjusted my new mortgage to {$2000.00}. However, the new mortgage amount was not updated on my account online and I contacted M & T Bank on XX/XX/year> and to inquire why the new amount wasnt updated yet. The representative informed me that the new amount wont reflect on my account until XXXX payment. I immediately told the representative that this is not acceptable and that the amount adjusted needs to be updated now as I cant afford to pay {$2500.00} and on top of that, its M & T Banks fault so they should be more than willing to assist with this. Please assist with this because I am very frustrated with this situation. Thank you!

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing in regard to the alleged debt you are attempting to collect. I have attempted to resolve the account with XXXX only to be told they no longer have the account but are reporting XXXX accounts. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( 8 ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. Please provide the following information : XXXX. * * Proof that I am responsible for the debt * * : Documents demonstrating that I owe this debt. XXXX. * * Details of the debt * * : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied. XXXX. * * Name and address of the original creditor * * : If this debt has been sold or transferred, I need to know the name and address of the original creditor. XXXX. * * Proof of your authority to collect this debt * * : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.

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 2026-06-11 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: VA

Complaint narrative:
Cash Apps CFPB response is inconsistent with the communications they sent me directly. In their CFPB response they state they were unable to investigate because they did not receive my response. However, Cash App separately informed me that they investigated the disputed transactions, credited certain withdrawals, and denied other disputed transactions after making a determination that they were authorized. This shows that an investigation was conducted. I maintain that I did not authorize the disputed XX/XX/XXXX transactions, nor did I authorize anyone else to make them. My phone was stolen, unauthorized users gained access to my account, and I am requesting a complete reinvestigation of the denied transactions and an explanation of the evidence relied upon to conclude they were authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didn't follow the proper XXXX validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received an email about a debt due. I'm not sure who or what XXXX is. Please let me know who this is besides XXXX. * * account from XXXX with account number XXXX. Your JCS Reference XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
I opened an E * TRADE checking account on XX/XX/year>. A few days after opening the account, E * TRADE restricted my account and requested documents to verify my identity/account. I provided the requested documents. After that, E * TRADE informed me that they decided to close my account and end the banking relationship. Since then, more than 120 days have passed, and I still have not been able to access my funds or close the account. I have called E * TRADE more than 10 times. Each time, I am either asked for additional verification or told the issue is still pending, even though I have already completed the verification requests. During one call, an E * TRADE representative told me that if I was willing to give up the funds remaining in the account, they could close the account. I believe this is unreasonable and improper because the funds belong to me, and I have complied with their verification requests. I am requesting that E * TRADE immediately close my account and return the full remaining balance to me. I also request a written explanation for why my funds have been held for more than 120 days after the account was restricted and closure was initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: WI

Complaint narrative:
I sent a payment via cash app on XX/XX/XXXX the transaction did not go through. It ended up being stuck on pending. I could not cancel the payment so I contacted Cash App support they told me to was XXXX business days to wait to try to cancel it again I waited XXXX business days they then told me it would take XXXX business days for it to cancel on its own and be back in my account. A month later I contacted support again they told me it was a technical issue and that they were moving my case to somebody else. I addressed my concerns again they asked what was the payment for the payment already said what it was for in the notes. I then contacted support again! They told told me my case was closed due to not having the information I gave them the information once again and they told me that they just filed it as a complaint, still no money back in my account. They then didnt let me finish addressing my concerns as well as didnt answer my final questions and ended the chat on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has been charging me a monthly maintenance fee of {$4.00} since XX/XX/year> and has not stopped until XX/XX/XXXX. I was told that I'm a member of XXXX XXXX XXXX, so I won't get charged for the monthly maintenance fee. I didn't even notice that I was getting charged behind my back until the end of XXXX. Later, I was informed that I was told a lie or misleading information. I maintained a minimum balance to avoid fees since the end of XXXX, but they've still been charging me from XXXX till XXXX without refunding. They have charged me five times already and refunded only two. This mustn't go on.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation