vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PARAMOUNT BOND & MORTGAGE CO.
State: TX

Complaint narrative:
I am submitting this complaint regarding serious misconduct and mishandling of my mortgage loan and closing process by my lender, including failure to provide accurate and timely disclosures, unauthorized use of funds, and unprofessional conduct. 

Despite repeatedly and clearly instructing the lender not to use realtor commission credits to buy down the interest rate, the lender used the entire credit ( approximately {$30000.00} ) without my knowledge or consent. This action materially altered the financial terms of my loan and was never disclosed in advance. I became aware of this unauthorized use only after closing, leaving me with no meaningful opportunity to review, question, or reject the change. 

The lender failed to comply with TILA-RESPA Integrated Disclosure ( TRID ) requirements. I was asked to wet-sign a Closing Disclosure on the day of closing that was dated three days earlier, and I received multiple versions of the Closing Disclosure containing conflicting information. Material changesincluding interest rate and use of creditswere made on the afternoon of the closing date, rather than being disclosed at least three business days in advance as required by law. This prevented me from making a fully informed decision. 

Additionally, the lender repeatedly changed the closing date and time at the last minute, provided inconsistent instructions, and pressured us to sign documents immediately. When I asked reasonable questions to understand the loan terms, the lender responded in a hostile and dismissive manner, told us not to ask questions, and accused us of delaying the process. This behavior was unprofessional and intimidating. 

The realtor and title company also failed to inform us that commission credits were being transferred and used without our consent. When questioned, all parties blamed one another. I have filed a separate complaint with XXXX  against the real estate broker for providing funds to the lender without my authorization. 

As a result of these actions, we suffered financial harm, loss of transparency, and emotional distress. I believe the lender engaged in misrepresentation, unauthorized use of funds, and non-compliance with federal disclosure regulations, and I respectfully request CFPB review, corrective action, and appropriate remedies.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : CFPB Response Failure to Conduct Reasonable Investigation ( Metro 2 / FCRA Noncompliance ) To Whom It May Concern, This letter serves as my formal response regarding the handling of my dispute related to the XXXX XXXX XXXX account. 

According to the CFPB complaint record, no actions were taken by the furnisher in response to my dispute, despite my submission of valid identifying documentation and a clear request for reinvestigation. This failure constitutes noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and the Metro 2 Credit Reporting Guidelines . 

At the time of my dispute, I provided sufficient information to trigger a lawful reinvestigation. However, XXXX XXXX XXXX failed to : Conduct a reasonable reinvestigation of the disputed information Correct, delete, or modify any inaccurate or unverified data Provide documentation supporting the accuracy of the reported account Demonstrate compliance with Metro 2 reporting standards Identify the method or evidence used to verify the account Under Metro 2 guidelines, furnishers are required to report complete, accurate, verifiable, and timely information. The absence of any corrective action or documented investigation indicates that the account was mechanically verified or ignored, which is not permissible under federal law. 

Furthermore, the continued reporting of this account without evidence of a proper investigation raises serious concerns regarding : Accuracy of account balance and status Authority to report the account Completeness of payment history Compliance with Metro 2 data integrity standards Because no action was taken and no documentation has been produced, the reporting of this account is now unverifiable. Continued reporting under these circumstances constitutes willful noncompliance with the FCRA. 

I am formally requesting that XXXX XXXX XXXX either : 1. Provide full documentary evidence supporting the accuracy, ownership, and reporting authority of this account in compliance with Metro 2 and FCRA standards, or 2. Immediately delete the account due to failure to conduct a reasonable reinvestigation.

If this matter is not resolved promptly, I reserve the right to pursue all remedies available under federal law. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/year>

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 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
My PayPal account, associated with the username/email : XXXX, ( XXXX ), was wrongfully banned on XX/XX/year>. I believe this action was taken in error, as I have always adhered to the platform 's terms of service and community guidelines. Despite this, and without any manual review or request for an appeal, my account was deactivated. 

I have been a loyal, paying member of this service for 12 years and an online influencer who uses PayPal for paid brand deals. Maintaining an active account is crucial. I am requesting a formal review and immediate reinstatement of my wrongfully banned account, and my standing as a customer is further demonstrated by my holding an active debit card issued by PayPal ( XXXX : [ Last 4 digits of my PayPal Debit Card ] ). This long-term relationship underscores my commitment to being a responsible member of your community. 

I have received no satisfactory explanation for this ban, and it has cut off my access to services, data, and financial tools I depend on. 

I am requesting a formal review of this disciplinary action and the immediate reinstatement of my full account access. I am happy to provide any additional verification needed or to discuss this matter further to resolve it promptly. 

Thank you for your time and attention to this serious matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: AR

Complaint narrative:
Halsted Financial Services LLC violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in repeated collection communications without providing the required validation notice and by misleadingly inducing payment. 

On XX/XX/year>, Halsted Financial Services sent multiple collection emails regarding an alleged XXXX XXXX XXXX  / XXXX XXXX XXXX account. These emails offered payment plans, reduced monthly payments, and referenced deletion of the tradeline upon payment. None of the emails included the disclosures required by 15 U.S.C. 1692g ( a ), including notice of my right to dispute the debt, request validation, or require cessation of collection pending verification.

Additionally, Halsted Financial Services sent a collection text message encouraging me to review new payment options and directing me to a payment portal and telephone number. This text message likewise omitted all required validation disclosures and further pressured payment.

By sending multiple emails and a text message without providing validation rights, Halsted Financial Services violated 15 U.S.C. 1692g ( a ). By emphasizing payment options and settlement benefits while omitting dispute rights, Halsted Financial Services unlawfully overshadowed my statutory rights in violation of 15 U.S.C. 1692g ( b ). The repeated representations regarding payment benefits and tradeline deletion further constitute false, deceptive, or misleading representations in violation of 15 U.S.C. 1692e.

As a result of this conduct, I experienced confusion, stress, and expended significant time researching my legal rights and responding to improper collection activity. 

I have included PDFs of the text logs and emails that they sent repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NM

Complaint narrative:
I authorized a transaction using my Cash App card to purchase merchandise from a website that later turned out to be fraudulent. The merchant did not deliver the goods I paid for, and I received no valid tracking information or merchandise. After realizing the website was fraudulent, I contacted Cash App and filed a dispute for non-receipt of merchandise. 
Cash App denied my dispute without providing meaningful evidence that the merchant fulfilled the order or that the website was legitimate. I requested documentation, proof of delivery, and details of their investigation, but Cash App did not provide this information. As a result, I was charged for merchandise I never received, and Cash App failed to reasonably investigate or resolve the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: MD

Complaint narrative:
I ordered a pair of hockey gloves from XXXX. When the UPS truck came they said they had a bill for 200 % tariff. I refused the shipment and did not pay. I contacted XXXX and they said that no tariffs should apply. I received a refund from my credit card for the gloves after they conducted an investigation and found that I never received the gloves. I sent UPS a certified letter letting them know that I do not receive the shipment and am not responsible for the tariff. UPS sent the tariff bill to collections who I also sent a certified letter showing that I never received the gloves and am not responsible for any tariff.

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 2026-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
To Whom It May Concern : This letter serves as a formal rebuttal to your XX/XX/year> response submitted through the Consumer Financial Protection Bureau regarding the above-referenced alleged accounts. 
1. Failure to Meet FCRA Requirements While you assert that the documentation provided meets the requirements of the FDCPA, my dispute is also governed by the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). Furnishers are required to conduct a reasonable investigation and verify accuracy, completeness, and ownership. A billing statement and seller-provided data do not satisfy this obligation.

2. Failure to Prove Legal Ownership You have failed to provide a complete, unredacted Bill of Sale or Assignment Agreement identifying my specific accounts, a full chain of title, or proof of lawful authority to collect in Connecticut.

3. No Proof of Consumer Obligation No original signed contract, agreement bearing my signature, or evidence of lawful obligation has been produced. As such, the alleged debts remain unverified.

4. Improper Credit Reporting Continuing to report disputed and unverified information violates 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). A cease-and-desist designation does not relieve credit reporting obligations.

5. Formal Demand Within 15 days, provide competent evidence establishing ownership, chain of title, obligation, and accurate balance, or permanently delete these accounts from all consumer reporting agencies.

Failure to comply will result in escalation to the CFPB, the Connecticut Attorney General, and consideration of civil remedies. This letter is not a refusal to pay nor an admission of liability. 
All future communication must be in writing only

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riehlman Shafer and Shaw LLC
State: MI

Complaint narrative:
I had verified with conserve also known as Reihlman Shaver and Shaw as well as XXXX XXXX XXXX XXXX that the balance reported on XXXX is {$250.00}. They said that after the repossession, fees, and interest they will not report it paid until {$1600.00} is paid off although XXXX XXXX XXXX XXXX stated that they cant tack on the repossession and all the other fees onto a credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of identity theft from the XXXX XXXX  data breach, please remove all negative information 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 non-monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am writing to request a goodwill deletion for a debt that was settled and paid in full for {$1600.00} on XX/XX/year>. I have contacted the collection agency, XXXX XXXX  & XXXX ( XXXX ), to request a deletion based on my full cooperation and the extreme hardship this reporting is causing. 
Currently, I am living in a hotel with my family because this 'Paid Collection ' status is triggering automatic denials from rental property screening systems. Despite my account having a {$0.00} balance, the agency has refused to XXXX a one-time management exception to remove the trade line. I am not disputing the past validity of the debt, but rather the ongoing reporting that is preventing me from securing basic housing. I am seeking a full deletion of this entry as a resolution to this hardship.

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 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/XXXX did a balance transfer the credit card company couldn't do a electric transfer so they mailed a check around XXXX the credit card company said it cleared and added amount on me I checked on the credit card that was to have the balance transfer and they haven't received it XX/XX/XXXX I ask the credit card company to look into it because it was not received by the other credit card company then I ask to speak with the person who handles balance transfer issues and they said I can't I would have to wait XXXX  days that was XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
We had an appraisal done by AmeriSave, we were informed that certain repairs were needed to move forward. I am on XXXX and there was no way I would physically be able to finish any repairs in that time frame. I searched for a different company to provide a refi through which is XXXX. They ordered a new appraisal but upon requesting a copy of the original appraisal from AmeriSave were denied said copy. I paid {$500.00} dollars to AmeriSave for the appraisal and they are now saying I have to pay another {$600.00} to get the copy I ordered. They also stated they emailed it to me 4 times prior which upon searching my email history does not show up at all. I am in desperate need of assistance to obtain what I already paid for with AmeriSave to finish this process. All my credit is fully reached its limit to finish the process so now making those payments take priority so I can not afford to pay more to AmeriSave for whats been generated in my name.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Based on a previous unresolved claim, the company sent me a letter stating that my account would be closed and instructing me to call a specific number to complete the process. I followed these instructions and spoke with XXXX agents ; however, they refused to close my account, despite the written notice. 

The letter appears to be misleading, as the instructions provided did not result in the promised action. I am requesting that the company close my account immediately upon receipt of this claim. I am seeking assistance from an appropriate institution to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I created a Venmo account. Immediately upon creating the account, I received an email saying that my account was suspended for " unusual activity linked to your Venmo account which may be in violation of our user agreement '', which was odd, but I complied and uploaded identification documents, since it was not requested during onboarding. On XX/XX/XXXX my account was unblocked, however I was never able to use the services as the application would always give an error when I tried connecting my bank account. 
On XX/XX/XXXX, I get yet another email identical to the first XXXX, saying my account was suspended for unusual activity, and again asking for the same ID evidence that I had already provided less than XXXX weeks before. 
At this point I have XXXX trust that Venmo is adequately handling my account information. I reached out to customer support stating that I want to close my account and have them delete my data, but they are refusing to do so until I submit my identification documents once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I am submitting this complaint regarding PayPals improper handling of multiple buyer disputes I opened for items that were never received. PayPal closed several of these disputes without requesting additional information from me, without contacting me for clarification, and without providing or identifying any evidence from the sellers to support their decisions. The cases were closed despite the lack of proof of delivery, and without giving me a fair opportunity to fully present my claims.

I am also a PayPal seller and have experienced a consistent pattern of unfair treatment in disputes filed against me by buyers. In those cases, I have submitted truthful and documented evidence disproving false claims, yet PayPal has routinely ruled in favor of the buyers regardless of the proof provided. This demonstrates a lack of consistency, transparency, and due process in PayPals dispute resolution system. As a result of PayPals actions in my buyer disputes, funds that rightfully belong to me have been withheld, delaying reimbursement and leaving me without funds to pay essential personal bills. I am requesting immediate reimbursement of these funds. If PayPal fails to resolve this matter promptly, I am prepared to pursue further remedies available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: MN

Complaint narrative:
I am formally disputing the accuracy, ownership, and legal compliance of multiple collection and charge-off accounts currently being reported on my credit report. These accounts are the direct result of compromised personal information and identity theft. 

In XXXX, I filed a police report documenting that my mobile phone was stolen, along with access to my personal identifying information. As a result of this theft, my personal and financial information was compromised without my knowledge or authorization. Any accounts opened, charged off, or sent to collections during or after this period are unauthorized and fraudulent. 

Despite this, the furnishers and consumer reporting agencies continue to report information that is incomplete, inaccurate, and unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the reported accounts contain discrepancies in account details, lack proper documentation establishing my liability, and fail to accurately reflect the true date of first delinquency or lawful account origination. 

This conduct violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681e ( b ), which require furnishers and credit reporting agencies to ensure maximum possible accuracy. Furthermore, after these accounts were disputed, the furnishers failed to conduct a reasonable investigation as required under 15 U.S.C. 1681s-2 ( b ).

These accounts are being reported by third-party debt collectors. Continued reporting and collection activity without providing proper validation and proof of authorization constitutes false and misleading representation under 15 U.S.C. 1692e and a failure to cease collection activity pending validation under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically : PLAZA SERVICES ( Original Creditor : XXXX ) reports an account sent to collections on XX/XX/XXXX without my knowledge, authorization, or receipt of any contractual documentation. 


At no point did I agree to, authorize, or benefit from these obligations. Any assertion that I am legally responsible is unsupported and contradicted by the documented identity theft.

Company response to consumer: Closed with explanation