vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
I am filing a complaint against USAA Federal Savings Bank regarding an account restriction that occurred after I deposited a legitimate check from a vehicle loan. On or about XXXX, I deposited a check in the amount of {$12000.00} from XXXX XXXX XXXX XXXX related to a vehicle loan. Shortly after the deposit, USAA restricted my account and prevented me from accessing my funds. This restriction has affected not only the deposited check amount, but also my existing account balance and ability to use my debit card, transfer funds, pay bills, or access my money. how can i feed my family??? I have contacted USAA seeking clarification and resolution. However, I have either received limited information, a conflicting explanation, or no clear timeline for when my account access will be restored. I have cooperated fully with any requests for verification and can provide documentation showing the loan and check are legitimate. This restriction has created financial hardship by preventing access to my personal funds for daily expenses and financial obligations. I understand banks may place reasonable holds on deposits for verification purposes, but fully restricting access to an account without clear communication or timely resolution is concerning especially existing funds outside of the check itself! I am requesting that USAA : Provide a clear written explanation for the restriction. Complete any verification review promptly. Restore access to my account and available funds immediately if no fraud is confirmed. Reimburse any fees, penalties, or damages caused by the restriction or delayed access to my funds. I am also requesting that the CFPB review whether USAA followed proper procedures and consumer banking regulations regarding account restrictions and deposit holds. Supporting documentation, including deposit records and communications with USAA, can be provided upon request.

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 2026-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CreditNinja Lending, LLC
State: CA

Complaint narrative:
I am submitting a complaint regarding repeated suspicious lending and inquiry activity associated with my personal identifying information. On or about XX/XX/2026, online lending inquiries appeared through Credit Ninja/XXXX and XXXX XXXX using inconsistent identifying information associated with me, including a false date of birth that does not belong to me. These inquiries appeared despite prior XXXX concerns and security measures. This is not an isolated incident. Similar suspicious inquiry activity has appeared repeatedly throughout XXXX and appears connected to unauthorized or fraudulent use of my personal identifying information. I previously contacted the companies directly regarding these concerns and requested investigation and preservation of records, including application data, IP logs, device identifiers, linked phone numbers, linked email addresses, and timestamps. I am requesting : * investigation of the inquiries/applications, * removal or suppression of inaccurate information, * preservation of records, * and confirmation regarding what identifying information was used in connection with these applications. The inquiries include : * Credit Ninja/XXXX Tracking # XXXX * XXXX XXXX Tracking # 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 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
This is a formal dispute of 5 unauthorized electronic fund transfers totaling XXXX XXXXunder Regulation E ( 12 CFR 1005.2 ). A bad actor gained unauthorized access to my mobile number and subsequently my XXXX account. On XX/XX/year>, I woke up to find my phone had been victim of an eSIM swap. The hackers then changed all my passwords to my bank account, credit cards, XXXX, email addresses, and more. The hackers also contacted my friends to try and get money via XXXX. My bank was able to recover the {$1000.00} transfer that came from my bank account, however I had {$430.00} within the XXXX app. The hackers transferred this amount in 5 transactions, 4 for {$100.00} each to XXXX XXXX, and 1 {$20.00} to XXXX XXXX. These are accounts I do not know and have never transferred money to. Ive filed a police report and report on identity theft.gov and appealed my denied claim to XXXX. After all this and multiple phone calls, my claim was still denied for my missing balance of {$420.00}. I gained no benefit from this except the loss of my own money. Attached are several screen shots, including the confirmation of reporting to identitytheft.gov, the multiple emails showing my password on my bank account being changed and other accounts being connected to it, the fraudulent unauthorized XXXX transactions, and finally the notice from XXXX stating my phone SIM was being transferred to a new carrier. All of these were made by someone else and XXXX doesnt seem to understand despite the evidence provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
Credit Management Company ( XXXX, PA ) is engaging in illegal debt inflation and fraudulent duplicate reporting on an expired medical debt from XX/XX/XXXX. They contacted me in XX/XX/XXXX claiming a balance of {$2300.00}. They then placed two separate collection lines of {$1100.00} each on my XXXX and XXXX credit reports today, using two different account numbers for the exact same single debt. This deliberate double-billing has tanked my credit score by XXXX points. Furthermore, they reported this to the bureaus within 45 days of initial contact, explicitly violating Nevada law SB 248, which requires a mandatory 60-day notification window before credit reporting. Because the debt is from XX/XX/XXXX, it is past the Nevada statute of limitations and can not be legally enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WLCC
State: CA

Complaint narrative:
I am submitting a complaint regarding repeated suspicious lending and inquiry activity associated with my personal identifying information. On or about XX/XX/year>, online lending inquiries appeared through XXXX XXXX and XXXXXXXX XXXX using inconsistent identifying information associated with me, including a false date of birth that does not belong to me. These inquiries appeared despite prior fraud concerns and security measures. This is not an isolated incident. Similar suspicious inquiry activity has appeared repeatedly throughout XXXX and appears connected to unauthorized or fraudulent use of my personal identifying information. I previously contacted the companies directly regarding these concerns and requested investigation and preservation of records, including application data, IP logs, device identifiers, linked phone numbers, linked email addresses, and timestamps. I am requesting : * investigation of the inquiries/applications, * removal or suppression of inaccurate information, * preservation of records, * and confirmation regarding what identifying information was used in connection with these applications. The inquiries include : XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX Tracking # XXXX THIS IS THE SECOND TIME THIS HAS HAPPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
My old account on PayPal I can no longer access because I dont have that phone number anymore so Im trying to close that account My email for my old account : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Hello my name is XXXX XXXX I have lived in my house for XXXX XXXX. I built it in XXXX XXXX XXXX has my mortgage or had my mortgage on XX/XX/XXXX. It was sold to new Rez LLC in XXXX I went. to pay my mortgage on XX/XX/XXXX and I usually always went into the branch in XXXX XXXX and paid it well now I cant so I called them up and they said theyre still transferring my loan and I couldnt make my payment on the first Ive have to call back after the XXXX so I did that they wanted me to set up for automatic payment I said OK they walked me through it on my phone I sent it XXXX XXXX later still not out of my account I had to get a bank check and mail it to them I keep calling them and communicating with them and theyre very rude and theyre talking over me and theyre not asking me what I am needing theyre telling me what I am doing so in XXXX they got their payment XXXX they got their payment. I paid them XX/XX/XXXX {$1200.00}. I mailed it to the XXXX XXXX XXXX It is XX/XX/XXXX and they still have not received it. Ive called every single day Im getting harassed they are threatening for closure. When XXXX XXXX sold them my loan on XX/XX/XXXX and they told me to wait till after XX/XX/XXXX to make my payment and I did and it took them until after the XXXX to post it on XXXX XXXX I get paperwork for seating for closures then they receive my payment and theyre telling me That was procedure Theyre also telling me that I didnt make my payment to XXXX XXXX in XXXX and XXXX. I went to my credit union. I got copies of the paid bank checks and I sent it to them and now theyre telling me I didnt pay XXXX and XX/XX/XXXX so now I have to go to XXXX XXXX and get that information and I got that information today I have to go to XXXX XXXX XXXX so they can print it out and hand it to me because the loan has been closed. I live in a {$400000.00} house and I only owe {$62000.00} on this and Im being harassed by a servicing company thats wanting to foreclose on my home and make it very difficult for me to make my payments.

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 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
XX/XX/year> - online purchase {$24.00}. I called and reported it fraud, BofA issued me a new debit card. XX/XX/year> - online purchase {$44.00}. I called and reported it fraud, BofA issued me a new debit card. I asked if they could help remove my BoA data from all online services, they said they could not help with that. I turned on 2fa and changed the password to my account. XX/XX/year> - online purchase {$48.00}. I called and reported it fraud, BofA issued me a new debit card. I asked them what I should do, they had no answer. I asked them if this was common, they said people call in pretending to be the account holder. That does not pertain to my situation.

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 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was incarcerated from XX/XX/XXXX to XX/XX/XXXX and in that time 3 credit card were opened in my name, maxed out, and never paid. I disputed all 3 of them and only 1 was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This debt was discharged in a XXXX XXXX XXXX on XX/XX/year>. I notified the collection agency and they have not removed from my credit bureau reports. I disputed this with all three credit bureaus. Per XXXX, the third party collection agency is advising them the debt is valid, which is unlawful since it was already discharged in bankruptcy almost a year prior to them posting it to all three of my credit reports. Additionally, I never received any communication from them in writing or by phone prior to them maliciously and unlawfully attacking my credit.

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 2026-05-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This company is reporting in accurate information on my credit report That I have no knowledge about

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 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My XXXX was broken into everything got stolen. I made a police report. The bank has all this information. The bank is telling me that I made the charges and they cant recover the funds. Therefore, theyre not going to grant me my funds back into my account because they can not recover the funds from the merchant this is fully illegal. I also was able to stop XXXX of the transactions as someone was using my phone and texting me the tracking number I was able to stop that transaction of {$400.00} at the XXXX XXXX as it had XXXX in it as I got a picture of that on my phone I sent the person a text. Do not send anything to my address at all. I wont accept it. Its at the post office to go pick it up. The biggest is telling me because they can not recover the funds back. They can not refund my money. Thats totally against the law. I wrote a letter to the bank. Had him sign it. I wan na see what evidence they have saying I made these transactions I did not make these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Receivables Network
State: TX

Complaint narrative:
My XXXX first received text messages and calls from XXXX XXXX XXXX XXXX on XXXX XXXX. Stating that I will be receiving text messages about my account and that I owe debt. Then I received several letters from XXXX XXXX XXXX XXXX on XX/XX/year> through XXXX postal mail. Those letters urge me to contact them as soon as possible, to talk about the debt I owe. I called XXXX XXXX XXXX XXXX on XXXX XXXX. I handed the phone my XXXX, since she speaks XXXX, and I dont. A female customer service representative answered the phone. My XXXX asked about the debt and if she could send us proof by XXXX mail, just to make sure if the numbers were correct. The agent whom she spoke with was very rude to her, she urge us to start making a payment of {$1000.00} a month. And that she didnt have to send us anything about paperwork. My XXXX got very upset and hung up the phone. That same day on XXXX XXXX, I reached out to XXXX XXXX XXXX XXXX through their customer service email. I urged them to send me proof about the debt and that is it the law for them to provide that. I also told them to stop calling me. On XX/XX/year>, I received the itemized receipt from XXXX XXXX XXXX XXXX. The letter states for me to contact with them within XXXX days from the date of receipt they send me to resolve this matter. I looked over the receipts that they send me. I dont owe the XXXX anything. It shows a balanced of {$0.00}. What I am being charged is bad debt, that was added on XXXX XXXX. This bad debt is added about XXXX times, all different prices. Please I need your help, could you look into this matter. My lawyer paid the XXXX in full once my settlement was settled.Which was about 3 years ago since this was settled. My XXXX would also log in my chart, it never had a balanced. And the XXXX never reached out for a supposed payment. There must be some misunderstanding with the XXXX and XXXX XXXX XXXX XXXX. Again, can you please look into this matter and contact me please?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
My affirm money account was freeze and I got an email from affirm saying I should do some verification and I have done it but later I was ask to wait for XXXX days because they just updated their system and I wait for over XXXX days later on I got email that my affirm money account was lifted from the freeze but within a minute I got another email from affirm that my affirm money has be freeze again so I call affirm customer care they were now saying my account is still on review that there is not particular timeframe for the review to be done and that really frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Subject : Mortgage Servicer Paid Unauthorized Insurance for XXXX XXXX and Has Not Corrected Escrow Accounting Complaint : I am filing a complaint against my mortgage servicer for serious escrow mismanagement and failure to correct an error that has now affected my mortgage payments for XXXX years. My mortgage company paid XXXX separate homeowners insurance companies for XXXX years, even though only XXXX policy was authorized. XXXX of the insurance payments was completely unauthorized. Because of this mistake, the servicer claims they advanced funds to cover the duplicate insurance payments and then increased my escrow payment significantly. The insurance company eventually issued a refund of {$5100.00}, and the servicer claims they applied this credit. However, the escrow analysis still does not reconcile. Even after the refund, the servicer is still claiming an unexplained escrow shortage, and the numbers do not match any of the actual disbursements or deposits. I have repeatedly contacted the servicer, but the representatives only read from a script and can not explain : Why the unauthorized insurance was paid for XXXX years How the advance was calculated How the refund was applied Why the escrow analysis does not show the advance Where the missing {$3200.00} ( includes escrow payments for XXXX XXXX ) in escrow funds has gone Why a shortage still exists despite the refund exceeding the advance I have asked multiple times for a full escrow transaction history, including all disbursements, advances, refunds, suspense account activity, and adjustments. The servicer refuses to provide this and continues to give vague or scripted responses that do not address the accounting discrepancies. This situation has caused financial hardship because my mortgage payment was increased based on incorrect escrow calculations. I am requesting CFPB assistance to require the servicer to : XXXX. Provide a complete escrow transaction history for the last 24 months XXXX. Correct the escrow account to reflect the unauthorized insurance payments XXXX. Properly apply the insurance refund XXXX. Remove any incorrect shortages XXXX. Recalculate my escrow payment accurately I am simply asking for transparency and accurate accounting. At this point, I can not get a straight answer from the servicer, and the escrow numbers still do not add up. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX I made a purchase on XXXX for an item that was returnable. After receiving this order I immediately tried to initiate a return. XXXX was showing the item was non returnable after the order had been delivered. I filed a claim with Wells Fargo bank to get a refund but that was denied. Wells Fargo didnt conduct a proper investigation into this claim. I explained to the claims department that I had screenshots of the item showing non returnable. Wells Fargo never requested that evidence in supporting my claim. After Wells Fargo denied the claim I contacted XXXX again to initiate a return. XXXX finally agreed to accept the item for return. As of XXXX XXXX claims that Wells Fargo has refused the refund. This has continued to keep my account overdrawn into a negative balance.

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 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: HI

Complaint narrative:
In 2023 I enrolled in an online coaching program. The services provided were misleading and not delivered as promised. I raised concerns regarding the coaching quality, contract terms, refund eligibility, and lack of promised support. The company is now out of business and has multiple complaints regarding deceptive practices and collections issues. Despite disputing the debt, the collection account continues to be reported as accurate. I request investigation into the validity of this debt and the collection 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 2026-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: LA

Complaint narrative:
Mohela was paid over {$28000.00} in lump sum this month. I contacted them to clarify I wanted it to be applied in a paid ahead status over the next 12 months. PDF mail email correspondence as of yesterday told me that I still owe them over {$570.00} a month - both this month and going forward - despite making that payment earlier in the month before they updated my account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation