vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 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: GA

Complaint narrative:
Complaint : I am filing a complaint regarding an unauthorized transaction involving my Venmo account that resulted from what appears to be an account takeover and fraudulent activity. On XXXX XXXX, 2026, {$1000.00} was transferred from my linked bank account ( XXXX ) through Venmo to a merchant ( XXXX ) without my authorization. This transaction was not a normal or legitimate use of my account. The activity that followed clearly indicates fraud : The {$1000.00} was deposited into my XXXX account Within approximately XXXX seconds, the funds were withdrawn The withdrawal was sent to a debit card that does not belong to me My XXXX account was then deactivated immediately after the transaction I do not own or use a debit card, and I have never used the card referenced in this withdrawal. This payment method was added without my knowledge or consent. Additionally, the speed and sequence of events ( deposit immediate withdrawal account shutdown ) are not consistent with any legitimate user behavior and strongly indicate unauthorized access and automated fraud. I reported this issue to both Venmo and XXXX immediately : Venmo denied my dispute, stating that I had previously sent money to this merchant. However, prior legitimate use does not authorize fraudulent transactionsespecially when new payment methods are added and funds are immediately redirected. XXXX has acknowledged suspicious activity on my account and confirmed the rapid deposit and withdrawal timing. No one else has access to my account, and I did not authorize this transaction in any way. This situation meets the criteria for an unauthorized electronic funds transfer due to account compromise, and I am requesting : A full refund of the {$1000.00} unauthorized transaction A proper fraud investigation into my Venmo account activity Confirmation that my account has been secured and no further unauthorized access is possible Venmos denial appears to rely solely on past legitimate transactions, without properly considering the clear indicators of fraud in this case. I am requesting that this matter be reviewed thoroughly and resolved promptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The continued reporting of these inaccuracies is materially damaging my creditworthiness and has directly prevented me from qualifying for a mortgage. This constitutes harm caused by noncompliance with federal law. I demand that these accounts be fully investigated and, if not properly verified with a lawful permissible purpose, permanently deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I did not authorize any charge or have any knowledge of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, phone XXXX ) is reporting a {$4500.00} collection on my XXXX credit report originally owed to Citibank ( account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, assigned XX/XX/XXXX, first delinquency XX/XX/XXXX ). This account is marked " Consumer Disputes Reinvestigation in Progress. '' XXXX has not provided debt validation. I am an Illinois consumer requesting : ( 1 ) original signed Citibank account agreement; ( 2 ) date of first delinquency XX/XX/XXXX verified ; ( 3 ) complete chain of ownership from Citibank to XXXX XXXX XXXX ; ( 4 ) confirmation that no unauthorized post-charge-off interest was added per XXXX XXXX XXXX XXXX Services, XXXX XXXX XXXX. If XXXX can not validate with full original documentation, delete this account from all three credit bureaus immediately.

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 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
I am filing a complaint regarding my mortgage refinance application with Lakeview Loan Servicing, which has been unreasonably delayed with little to no communication or progress. I started my refinance application on XX/XX/2026. I was initially working with XXXX XXXX, and the process moved forward appropriately. By the last week of XXXX, my loan was conditionally approved and in underwriting. However, since then, the process has stalled completely. Around XX/XX/2026, my loan processor was changed to XXXX XXXX. For approximately two weeks after that change, I received no updates, and my calls and emails went unanswered. The only remaining condition preventing completion of the refinance was related to an HOA certification or a title change. On XX/XX/2026, I was finally able to reach XXXX XXXX by phone. She stated that the title company was going to make the necessary change. I then personally contacted the title company, and they informed me that no recent request had been made, and the only request on record was from XX/XX/XXXX, likely submitted by the previous processor. This indicates either a serious lack of action or miscommunication by Lakeview Loan Servicing. Additionally : I have spent {$720.00} out-of-pocket for an appraisal, which now appears wasted due to the lenders inaction. I have attempted to escalate the issue by contacting managers and team leads, but have received no meaningful response or assistance.

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 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates, regarding inaccurate and unverified debt collection and credit reporting. I disputed this account and requested proper validation. The company responded with generic portfolio sale documentation that does not establish that my specific account was legally assigned to them, nor does it provide a complete chain of title, itemized balance, or proof of contractual obligation. Despite this, Portfolio Recovery Associates, continues to report this account to consumer reporting agencies. I also disputed the account with the credit bureaus, and the account was verified without any clear explanation of the method of verification or evidence reviewed. I believe this company is reporting and attempting to collect on a debt without providing competent evidence to support its accuracy or ownership. I am requesting that Portfolio Recovery Associates : Provide proper documentation supporting ownership and the reported balance, OR Cease collection activity and request deletion of this account from all consumer reporting agencies I am maintaining records of all correspondence and am concerned about continued reporting of potentially inaccurate information. This complaint is not an acknowledgment of liability for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
I am filing a complaint against Cavalry SPV I, LLC regarding inaccurate and unverified debt collection and credit reporting. I disputed this account and requested proper validation. The company responded with generic portfolio sale documentation that does not establish that my specific account was legally assigned to them, nor does it provide a complete chain of title, itemized balance, or proof of contractual obligation. Despite this, Cavalry SPV I, LLC continues to report this account to consumer reporting agencies. I also disputed the account with the credit bureaus, and the account was verified without any clear explanation of the method of verification or evidence reviewed. I believe this company is reporting and attempting to collect on a debt without providing competent evidence to support its accuracy or ownership. I am requesting that Cavalry SPV I, LLC : Provide proper documentation supporting ownership and the reported balance, OR Cease collection activity and request deletion of this account from all consumer reporting agencies I am maintaining records of all correspondence and am concerned about continued reporting of potentially inaccurate information. This complaint is not an acknowledgment of liability for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
I am filing a complaint regarding a denied unauthorized transaction dispute. I reported multiple unauthorized transactions totaling {$12000.00} involving XXXX XXXX transfers to a recipient I do not recognize. I do not have a XXXX XXXX account, did not authorize these transactions, and received no benefit from them. Despite submitting a signed statement and additional documentation, my dispute and reinvestigation were both denied with a general explanation that no error occurred. I was not provided with sufficient evidence or a clear explanation supporting this conclusion. I am requesting a full review of my case, including all evidence used in the decision, and reconsideration of the denial under unauthorized transaction protections. I believe my claim was not properly evaluated and request that my funds be credited back to my account. Dates are between XX/XX/year> and XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am filing this complaint because Wells Fargo has incorrectly categorized a criminal impersonation scam as a " forgotten transaction, '' which threatens my consumer protections under Regulation E. On XX/XX/XXXX and XX/XX/XXXX, two unauthorized charges one on XX/XX/XXXX that was {$500.00} and one on XXXX that was {$500.00} ( totaling {$1000.00} ) were debited from my account. These charges were the result of a criminal entity in XXXX impersonating " XXXX, '' the official XXXX XXXX XXXX XXXX XXXX. My wife was fraudulently induced into providing payment information under the false pretense that she was paying a state-mandated fee. I contacted Wells Fargo on XX/XX/XXXX to report this as criminal impersonation fraud. However, the bank recorded the claim in their system as " I don't remember this transaction. '' This is factually incorrect. I have attempted to correct this record, but the bank 's initial refusal to label this as " Fraud/Unauthorized '' violates the spirit of the Electronic Fund Transfer Act. Per CFPB Official Bureau Guidance ( EFT FAQs, Question 4 ), a transaction is " unauthorized '' when a consumer is induced by a third party to provide account access through misrepresentation. Since the merchant misrepresented themselves as a government agency, no valid authorization exists.

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 2026-04-08 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: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
hi i called multiple times to report fraud on my credit card the bank bmo harris after a cfpb complaint they finally took care of the fraud transactions but then they blocked my card and put the account under review! its been a month and half now the account is blocked and under review! when i call no one can help me and number they gave to complain is for XXXX customer im XXXX. meanwhile almost 2 month my credit card is still blocked with my money!

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 2026-04-08 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: UT

Complaint narrative:
This complaint concerns unauthorized electronic fund transfers totaling approximately {$7000.00}, in violation of Electronic Fund Transfer Act ( Regulation XXXX ). Facts : On the night of the incident, I suffered a medical emergency and was hospitalized/incapacitated. During this time, my mobile device was accessed without my consent. Between XXXX AM and XXXX AM, several unauthorized transfers were sent to an account labeled " XXXX XXXX. '' Police Involvement : A formal criminal report for theft and unauthorized access has been filed with the XXXX XXXX XXXX Police Department ( Case # XXXX ). Cash App Failure : I have exhausted Cash Apps internal appeal and re-appeal processes. They have denied the claim stating the transactions were " authorized '' simply because they originated from my device, ignoring the fact that I was medically incapacitated and the victim of a physical theft. Cash App has since deactivated my account, preventing further resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Cavalry Portfolio Services ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, phone XXXX ) is reporting a {$5200.00} collection on my XXXX credit report originally owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, assigned XX/XX/XXXX, first delinquency XX/XX/XXXX ). This account is marked " Consumer Disputes Reinvestigation in Progress. '' Cavalry has not provided debt validation. I am an XXXX consumer requesting : ( 1 ) original signed XXXX XXXX account agreement ; ( 2 ) complete chain of ownership documentation from XXXX Macys through XXXX to Cavalry Portfolio Services this debt passed through multiple entities and full chain documentation is required ; ( 3 ) first delinquency date XX/XX/XXXX verified ; ( 4 ) confirmation no unauthorized post-charge-off interest was added per XXXX XXXX XXXX XXXX XXXX XXXX XXXX If Cavalry can not produce the complete chain of ownership and original signed agreement, delete this account from all three bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed accounts that I believe are the result of identity theft. These accounts do not relate to any transaction made by me and I did not authorize them. I previously contacted the credit bureau regarding this issue, but the accounts are still being reported on my credit report. I am submitting my Identity Theft Report along with proof of my identity and address. FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX - XXXX Account Name : XXXX - XXXX Account Name : XXXX XXXX - XXXX Account Name : XXXX - XXXX Account Name : XXXX - XXXX Account Name : XXXXXXXX XXXX - XXXX Account Name : XXXX - XXXX Account Name : XXXX XXXX - XXXX Account Name : XXXX - XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I am submitting a new complaint regarding National Credit Systems due to continued inaccurate reporting and failure to conduct a reasonable investigation following my previous CFPB complaints. NCS is currently reporting a collection account on my credit reports. In their prior CFPB response, NCS stated they are a third-party debt collector acting on behalf of the original creditor. However, on my XXXX credit report, NCS is listed as the Original Creditor, which is inaccurate and misleading. This inconsistency raises serious concerns regarding the accuracy of the information being furnished. Under the Fair Credit Reporting Act, furnishers are required to report information accurately and not in a manner that is misleading. Additionally, I submitted a written debt validation request in XXXX. NCS failed to provide any documentation for more than XXXX XXXX while continuing to report the account. Documentation was only produced after CFPB involvement. The limited documents provided ( a lease and move-out ledger ) do not support the balance being reported. No move-out inspection was conducted with me present, no photographic evidence of damages has been provided, and there is no proof that I was properly notified of any charges after move-out. I have retained photographic evidence of the condition of the unit at the time I vacated, which does not support the damages being claimed. Despite these issues, NCS continues to report the account as verified to the credit bureaus. NCS has failed to conduct a reasonable investigation and is reporting inaccurate and misleading information. I am requesting that this account be deleted from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am disputing charges on my Capital One account that I did not authorize. My card was taken without my permission by someone in my household, and I did not approve these transactions. I reported this fraud to Capital One, but my dispute was denied, and the charges are still showing on my account and negatively affecting my credit report. I request that Capital One investigate these unauthorized charges, remove them from my account, and notify the credit bureaus to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
Around XX/XX/XXXX I applied for an auto loan. I was approved for {$27000.00} and the interest rate was supposed to be XXXX and XXXX depending on age and usage. However, once they received the paperwork regarding the purchase of my used vehicle, the interest rate was listed as XXXX. I sent an email questioning the rate and they said they confirmed it and it should be XXXX and instructions on how to sign the promissory note. The second email on XX/XX/XXXX, I asked the same question and they advised me they use internal guidelines not just beacon scores. However this is not what is published on their website, was not included in the offer letter, or pre approved application online. I could have shopped somewhere else for a lower rate, had I know it was going to be that high. We have good credit, I thought the XXXX was high, XXXX is car dealership rates.

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2026, I initiated a XXXX transfer from my Capital One checking account to my personal XXXX XXXX account. Because it was a first-time transfer to that recipient, Capital One indicated it would take XXXX business days to process. The funds were debited from my Capital One account. The transfer never arrived in my XXXX account. I contacted XXXX, and they confirmed that the transaction was declined immediately on their end and that they never held the funds. I contacted Capital One, and they stated that XXXX was holding the funds and refusing to return them. This directly contradicts what XXXX told me. XXXX offered to participate in a three-way call with Capital One to resolve the matter, but Capital One declined , stating that their customer service is outsourced and that I could not be connected to the investigation team directly. On XX/XX/2026, I opened a formal case with Capital One. Capital One has informed me that I will not receive a temporary provisional credit until XX/XX/2026, and that the case will not be closed until approximately XX/XX/2026 over XXXX weeks after I reported the issue. This is not a fraud matter. The receiving bank declined the transaction immediately, which means the funds should have been automatically returned to my Capital One account. Instead, Capital One is treating this as a lengthy fraud investigation, withholding my money for over XXXX XXXX with no provisional credit in the interim. When I requested an escalation, I was told that was not possible and that I had to wait for their process to play out. I am requesting that Capital One return the debited funds to my account immediately, as the transfer was declined by the receiving institution and no fraud is involved.

Company response to consumer: Closed with explanation