vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Paypal Holdings, Inc
State: NC

Complaint narrative:
I am filing this complaint regarding PayPal 's denial of my dispute involving an unauthorized {$290.00} charge from Seeking Alpha. Recently, I discovered that my PayPal account had been compromised. During my review of the account, I identified multiple transactions that I did not recognize and did not authorize. As a result, I immediately secured my PayPal account, reset my credentials, and replaced the debit card associated with the account due to concerns regarding unauthorized activity. I promptly reported the unauthorized transactions to PayPal and filed disputes. After investigating, PayPal determined that at least one transaction was unauthorized and refunded me {$21.00}. However, PayPal denied my dispute regarding a separate {$290.00} charge from Seeking Alpha despite the fact that the charge occurred during the same period in which my account had been compromised. I also attempted to resolve the issue directly with Seeking Alpha. I contacted the company on XX/XX/year>, and again on XX/XX/year>, seeking assistance and requesting a resolution. Despite my efforts, I have not received a satisfactory resolution. I have acted responsibly throughout this process. I reported the unauthorized activity, secured my compromised account, replaced my payment card, attempted to resolve the matter directly with the merchant, and followed PayPal 's dispute procedures. My concern is simple : PayPal acknowledged that unauthorized activity occurred on my account by refunding one transaction, yet denied reimbursement for a much larger unauthorized charge that occurred during the same compromise event. I am seeking reversal for an unauthorized {$290.00} charge that I did not knowingly approve and should not be responsible for paying. I can provide proof that we had to cancel the card attached and obtain a new one due to this issue. I respectfully request that PayPal reopen this matter, review the circumstances surrounding the account compromise, and refund the unauthorized {$290.00} Seeking Alpha charge. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
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: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
i was working when i get a txt to my phone about card being used in a whole different state i responded to the fraud alert that was sent out to me and when i could get the chance when i got off work i called the fraud department to tell them what happen they asked a bunch of general questions i responded and open up a claim and could take up to 90 days .. 2 days later i got denied saying an error never occurred i think this is literally bogus i was at work when this happen XXXX states over from me and they denied my claim in a day and half they didnt even do an investigation just kinda told me no so they didnt have to back me on my claim idk this process has been difficult for me because it takes food out of me and my kids mouth and around rent time is even worse cause now i have to try to replace that money they just stole from me!!! i am reaching out to someone higher so they can try to resolve my case

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NM

Complaint narrative:
1 : On XX/XX/year>, I received what turned out to be a phishing text from a 10-digit number. I called the number ( note : I did not click on any link ) and followed instructions to move the XXXX in my Robinhood app to the official Robinhood Wallet app which I downloaded from the App store. I assumed it would be secure. 2 ( The Critical Window ) : I realized it was a scam when they recommended transferring more funds but before any funds left the XXXX app. I contacted official Robinhood support immediately through their app after first speaking with XXXX where I found out that no one had tried to access my connected accounts, which tipped me off that it was a scam ( which was also reinforced by XXXX who also said they have trouble contacting XXXX ). This was still on the night of XX/XX/XXXX. I provided XXXX support with the scammers phone number and detailed the situation. The funds were still safe in the XXXX app at this time. 3 ( The Misdirection ) : The Robinhood agent failed to instruct me to pull the funds back into the secure main app. Instead, the agent explicitly stated on a recorded line that they would " protect me and cover any losses, '' instructing me to wait approximately 5 days for their investigation. I explicitly asked if there was anything else I could or should do, and the agent said no, just to wait. 4 ( The Theft ) : Relying on Robinhood 's instructions to wait and their promise of coverage, I took no further action. Because Robinhood failed to secure the assets or instruct me to do so, the scammer successfully drained the wallet during Robinhood 's delay. On Monday morning, XX/XX/XXXX the XXXX valued at approximately {$500.00} had disappeared from the XXXX. On Sunday, XX/XX/XXXX I received an email from RH stating they had escalated the case and were investigating, which typically took about 4 business days. This reinforced the statements made to me by RH on my call on XX/XX/XXXX. However, It was not until XX/XX/XXXX that I received another email from RH stating that they had permanently restricted my ability to make crypto transfers and denied my claim for reimbursement. During the interim, on XX/XX/XXXX I called RH and they again told me to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint regarding LVNV Funding 's continued reporting of an account that should not be appearing on my credit reports. I possess documentation showing that this account was resolved and paid through a debt settlement program. Despite this, LVNV continues to report the account and has repeatedly responded to disputes with a generic claim that the account has been " verified. '' I do not accept that response. My records demonstrate that this debt was addressed years ago, yet LVNV is reporting dates that make the account appear significantly newer than it actually is. The reporting is misleading, inaccurate, and damaging. What is particularly concerning is that every dispute receives the same boilerplate response while the inaccurate information remains on my reports. LVNV has been placed on notice multiple times regarding these inaccuracies and has chosen to continue reporting the account anyway. This inaccurate reporting is now affecting a federal security clearance investigation, forcing me to explain and defend information that should not be appearing on my credit reports in the first place. At this point, I am demanding immediate deletion of this tradeline from all consumer reporting agencies. If LVNV believes it has a legal basis to continue reporting this account, it can explain that position in its response to this complaint. Otherwise, I expect the account to be removed without further delay. Should LVNV continue reporting information that I believe to be inaccurate despite being provided evidence to the contrary, I will evaluate all available legal remedies under federal and state law, including claims arising from inaccurate credit reporting and failure to reasonably investigate disputed information. I am no longer requesting generic statements that the account was " verified. '' I am demanding that LVNV either remove the account or provide a substantive explanation for why it continues to report information that conflicts with the documentation in my possession. I expect a prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have a XXXX XXXX dollar credit I have XXXX pending on a XXXX dollar limit card and the arent allowing me to use the card for XXXX hours because I made to many payments this month

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: WV

Complaint narrative:
I am suffering severe, irreparable financial hardship due to PennyMac Loan Services , LLC and their third-party loss-draft processing vendor, XXXX ( operated by Assurant/Proctor Loan Protector ) , intentionally and systematically withholding over {$110000.00} in property insurance restoration funds in bad faith. My home is currently unlivable due to major property damage, forcing my family to pay for alternative living arrangements completely out of pocket. Because my personal finances have been entirely depleted by these displaced living expenses, I have fallen behind on my mortgage payments and am facing imminent risk of foreclosure. I have been forced to liquidate {$10000.00} via a hardship withdrawal from my retirement savings just to attempt to maintain payments, and my family vehicle was recently repossessed due to the extreme cash-flow bottleneck caused entirely by PennyMac withholding our recovery funds. Despite submitting all requested documentation for weeks, PennyMac 's vendor has engaged in a cyclical pattern of arbitrary document rejections to reset their 3-to-4 business day processing clock. Most recently : A supervisor at insuranceclaimcheck.com manually reviewed and rejected a contractor 's corporate XXXX tax form, falsely claiming Box 3A was unchecked, despite the uploaded PDF clearly showing the box was marked. The exact moment I was forced to re-upload the document and they accepted the XXXX , their system immediately flipped a previously approved 'Insurance Adjustment Worksheet ' to 'Rejected ' status with zero material changes to the document. The vendor claimed the rejection was because the worksheet was split into three files and out of order. I have since compiled, organized, and flattened the entire insurance adjustment worksheet into a single, seamless PDF file and uploaded it to their portal. PennyMac is failing in its fiduciary duty to preserve the collateral asset and is actively violating RESPA prompt disbursement guidelines. Their third-party vendor 's bad-faith technical loops are destroying my family 's financial stability and creating a severe risk of dual-tracking an unlivable home into foreclosure. I demand that PennyMac immediately pull this file out of the automated third-party vendor queue, perform an immediate manual corporate executive review of the newly uploaded single-file worksheet, authorize the immediate disbursement of the $ XXXX repair draw to the contractor, and place an emergency 180-day disaster forbearance on my mortgage account to halt any potential foreclosure actions while the home is restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have a checking account with PNC XXXX. I deposited {$4800.00} cash on XX/XX/XXXX. The account showed all funds unavailable on that night. I called the bank on XX/XX/XXXX, and the customer service representative said it's under review but has no timeline to release. I visited a PNC branch in Michigan on XXXX. The banker couldn't fix it. He called the backend and gave me a similar reply that it's unclear when to release the account. It's XX/XX/XXXX today, and the funds are still unavailable. I need the funds immediately.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing a complaint regarding the handling of multiple fraud disputes by Navy Federal Credit Union. My debit cards ending in XXXX and XXXX were lost, and multiple unauthorized transactions were processed without my permission. I did not have possession of these cards at the time the transactions occurred, and I did not authorize or participate in any of the activity. Despite reporting these issues, my fraud claims totaling {$100.00}, {$880.00}, and {$1100.00} were denied. The credit union provided two primary explanations : that the transactions match spending patterns of valid transactions and that I authorized and/or participated in the activity. I dispute these conclusions. Similar spending patterns do not establish authorization, and I did not participate in any of these transactions. No supporting evidence was provided showing that I approved or conducted the transactions while the cards were in use. In at least one case, provisional credit was issued and later scheduled for reversal after the claim was denied. All claims were investigated and closed in a very short timeframe ( approximately two days ), without meaningful opportunity for additional review or clarification before final determinations were made. I am requesting a full and independent review of all disputed transactions, including : * The specific evidence used to determine authorization or participation * Any location, device, merchant, or verification data relied upon in the decision * A detailed explanation of how spending pattern analysis was used to override a lost-card fraud claim * A review of whether the investigation process complied with applicable fraud dispute procedures I am not responsible for these transactions and am requesting that all denied claims be reversed and the funds returned to my account. Supporting documentation, including all denial notices and provisional credit reversal notices, is attached for review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I had unfortunately fallen victim to cybercriminals, which left me responsible for several personal loans I could not readily repay. I found a credit agency that negotiated with these lenders to settle my accounts in a reasonable manner, since my situation was dire. All settled and I began payment plansexcept with 1st Tech. They would not negotiate at alldemanded their money and took me to court. They lost the first round and took it to a higher court, but we eventually settled because they were forcing me to pay their legal fees too and it was getting worse. So, this broke victim of crimemegot treated like the criminal throughout this entire process with 1st Tech, and I owe even more to them now than when I originally took out the loan. I get it, people are responsible for their actions ( especially financial ) but consider the circumstances and learn about your customer before taking advantage of them. Now, I am expected- under threat of more litigation- to make payments for XXXX months without billing options save an email I saved with payment instructions. My online account has been frozen, and I receive nothing in the mail. I am on the XXXX XXXX and must wait until XXXX for them to answer and go thru all my information to make a payment. I get no update or loan balance information ( I try to keep a running total for myself ). I don't know what they are charging anymore, or if my payments are actually going to the correct place. This entire process is sketchy - I didn't ask them to sue me in the first place. If they negotiated in good faith, something better could have been worked out. Now I'm paying for some attorney fees, and I have nothing to show for anything.

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: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a Chase credit card customer. An unrelated individual opened a Chase retail bank account and used my email address. I am constantly receiving their private financial data, balances, and transaction alerts. I have contacted Chase customer support, and they refused to remove my email, telling me to change my own email address instead. This is an active, ongoing breach of consumer financial privacy under the XXXX XXXX ( XXXX ). I demand Chase locate the retail bank account associated with my email address and scrub my contact information from it immediately

Company response to consumer: Closed with explanation