vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have reached out to the collection Agency on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. In reference to letting them know that this is not my account for {$1600.00} and to please provide proof of my signature showing that I agreed to this account. With no response from them ever. I kept receiving robocalls, automated calls, calls from reps, even after i told them not to call me anymore, as well as opting out for the calls from them. The reps would state they would note the account but calls kept coming in anyway. Calls were coming in at XXXX XXXX & XXXX XXXX up until after XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: AK

Complaint narrative:
They have the option to turn off auto payments for the loan/borrow in cash app app. I do not believe it is fair for any consumer to have the only option of turning it off on every single individual loan made. I need my refund at the very least. And the fact that the policy is no refunds is not right when in combination of the unfair practices. Not to mention they gave me XXXX $ for some XXXX reason but guess what!? It went straight to autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: CT

Complaint narrative:
On XX/XX/year>, my PayPal account was compromised via an unauthorized Account Takeover. The attacker initiated three distinct, unauthorized transactions to exfiltrate funds from my linked XXXX checking account. Despite clear evidence of fraudulent " staging, '' PayPal has erroneously denied my claim. Chronology of Events : | XX/XX/year> | Unauthorized ACH Transfer XXXX | {$200.00} | From XXXX Checking to PayPal Balance. | | XX/XX/year> | Unauthorized ACH Transfer XXXX | {$200.00} | From XXXX Checking to PayPal Balance. | | Immediately Following @ XXXX | Fraudulent Payment | {$190.00} | Sent to an unknown party ( " XXXX XXXX '' / " XXXX XXXX XXXX ). |

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/year> my card was charged XXXX from XXXX I immediately canceled this street finding out this was made by my young son I reached out to XXXX about this issue they only agreed to refund for 70 % of the monies that was taken under reg E provisions this was a unauthorized transaction without my consent but I declined that offer I immediately filed with my bank chime regarding this fraudulent transaction after careful review chime decided to decline my dispute in whole after XXXX agreed to refund 70 % this is a violation of my rights and reg E provisions I want my refund back immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
* * Subject : Unverifiable Debt Transferred Without Authorization Damaging Credit Report * * I am filing this complaint against Wells Fargo regarding a debt they are collecting that I do not owe and that they can not substantiate. In fall 2025, I reported fraudulent activity on my XXXX XXXX account. On multiple occasions I was told by phone that the fraud claim was resolved and settled. Shortly after, my XXXX XXXX account was transferred to a Wells Fargo credit card account that I never applied for, never signed, and never authorized. Wells Fargo is now claiming I owe a balance of under {$500.00} on this account. When I have contacted them to request documentation of what this balance is from, they have been unable to provide it. I have spent approximately XXXX hours across multiple calls being transferred back and forth between Wells Fargo and XXXX, with each party directing me to the other, and no resolution has been reached. On multiple occasions during these calls I was told the matter was settled, only to find it remains on my credit report. This debt appears to be the same fraudulent amount that was reported and repeatedly confirmed as cleared. I did not authorize the transfer of any account to Wells Fargo, and I have never had a Wells Fargo credit account. This unverified, unauthorized debt is currently being reported negatively on my credit report, causing ongoing financial harm. I am requesting : 1. Immediate cessation of collection activity on this account 2. Removal of this account and all negative marks from my credit report 3. Written documentation of the origin and validity of this debt, or confirmation that it can not be verified Under the Fair Debt Collection Practices Act, Wells Fargo is required to validate this debt upon request. They have failed to do so across numerous contacts. -- -

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 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: NV

Complaint narrative:
I contacted pro-collect ( XXXX ) XXXX about a debt of {$420.00} in mainly cleaning fees that I found to be inaccurate. I left the apartment in normal condition.

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 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : This correspondence serves as a formal litigation-preservation notice and demand for immediate deletion of the XXXX tradeline currently reporting on my TransUnion consumer file. I previously disputed this account and requested a reasonable reinvestigation pursuant to 15 U.S.C. 1681i ( a ). TransUnion responded that the account was verified as accurate. However, I have now received written confirmation directly from XXXX stating that they were unable to complete their investigation and required identity-theft documentation before proceeding. My dispute was not submitted as an identity-theft claim, and no such documentation was required to evaluate the accuracy issues I raised. Because XXXX did not complete an investigation, TransUnion could not lawfully rely on furnisher confirmation to verify accuracy. Any claim that the tradeline was verified is therefore unsupported and inconsistent with the Fair Credit Reporting Act. This establishes violations including, but not limited to : * 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation * 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the method of verification * XXXX XXXX XXXX XXXX Failure to properly investigate disputed credit reporting information Because your investigation relied on incomplete furnisher verification, continued reporting of this tradeline constitutes negligent and/or willful non-compliance with federal and Texas consumer protection law. Accordingly, I demand the following : 1. Immediate deletion of the XXXX tradeline from my TransUnion credit file 2. Written confirmation that deletion has been completed 3. The method of verification, including : * identity of the verifying party * verification timestamp * communication method used * documentation relied upon during reinvestigation Please be advised : This dispute is submitted directly by me, the consumer. It is not frivolous. It is supported by written evidence demonstrating the furnisher did not complete its investigation, which invalidates your prior verification results. If this tradeline is not deleted promptly, I will escalate this matter through the Consumer Financial Protection Bureau and proceed with preparation of civil claims seeking statutory damages, actual damages, attorneys fees, and all other relief available under federal and Texas law. Sincerely, XXXX 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 explanation
Consumer complaint received 2026-04-29 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: LoanCare, LLC
State: IL

Complaint narrative:
I am filing a formal dispute regarding my mortgage servicer, LoanCare, for inaccurate escrow handling, improper default, and foreclosure activity based on invalid property tax charges. My property qualifies for a 100 % property tax exemption, which the servicer has acknowledged. Additionally, a Certificate of Error has already been issued for the XXXX tax year, confirming that no property taxes were owed. The XXXX tax year is currently not visible with XXXX XXXX, they issued a letter stating my bill has never been sent and the matter has been escalated to the States Attorneys Office. All relevant agencies have acknowledged the validity of my exemption. Despite this, LoanCare treated property taxes as due and either disbursed or projected escrow payments based on tax data that was not issued, not accessible, or not valid. The XXXX XXXX XXXX has confirmed that the XXXX second installment tax bill was never sent due to system migration issues, and that no penalties would apply. Current county systems also show that tax information for XXXX and XXXX is not available. I still to this day have not seen proof of payment from Loancare to XXXX XXXX for the tax year of XXXX. Because of this, LoanCare created an artificial escrow shortage, which caused my monthly mortgage payment to increase significantly. This ultimately resulted in my loan being placed into default and referred to foreclosure on XX/XX/XXXX. The reinstatement amount is now approximately {$18000.00}, which includes charges tied to these invalid or unverified tax obligations, along with additional corporate advances, inspections, and legal fees. This situation was not caused by nonpayment, but by the servicers reliance on inaccurate or unavailable tax data and failure to properly account for a confirmed exemption. Additionally, LoanCare has stated that I must wait for a refund from XXXX XXXX before correcting the escrow. This improperly shifts the burden onto me, even though they already have sufficient information confirming that the tax obligation is {$0.00}. A critical unresolved issue remains, if the XXXX property tax bill was never mailed and was not accessible in XXXX XXXX system, what exactly did LoanCare base their tax disbursement or escrow projections on? To date, they have not provided documentation of any valid tax bill supporting these charges. This loan involves a 100 % XXXX veteran household, and due to the severity of the situation, including foreclosure activity based on disputed charges, I have also contacted the Department of Veterans Affairs Loan Guaranty Service for review.

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 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: OK

Complaint narrative:
First Credit Services is attempting to collect a {$180.00} gym debt that was attempted to be canceled in XX/XX/year>. The billing department forThe gym ( XXXX XXXXXXXX ) used a faulty IVR system to prevent my cancellation, violating the XXXX XXXXXXXX XXXX XXXX. The call to the gym rerouted to the billing department and they refused to cancel stating they could only take my money. I was never given an alternative at this time beyond going to the store. I Stated on the recorded call I could not physically go into this location to do so and needed an alternative. I asked what that would be and they stated there is no alternative. I have recently moved and never received written validation of this debt. I am disputing this in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I tried to link my business account to XXXX and it declined the initial transaction flagging my account they asked for documents proving it was my account in the mean time they locked my funds. I sent all documents explained it was a new account asked for correspondence several times then they tell me my account it permanently deactivated and wont tell me anything other than I violated a user agreement when I reach out to XXXX they tell me to email support but support is sending me autogenerated emails. Now theyre holding my money for 180 day to decide if I even am eligible to get it back or not say they cant tell me what agreement I violated in order for them to take my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On or about XX/XX/XXXX, a {$30000.00} check issued by XXXX XXXX ( XXXX ) and a {$15000.00} check issued by XXXX XXXX were made payable to XXXX XXXX XXXX and XXXX XXXX in connection with a bodily injury claim dated XX/XX/XXXX. Additionally, there is another check for approximately {$7000.00} and a smaller amount involved. I did not endorse, authorize, or consent to the negotiation or deposit of these checks, and I did not receive any of the funds. Available documentation indicates that at least one of these checks was deposited into an JPMorgan Chase Bank , N.A . account without my authorization. The checks required endorsement from all named payees, which did not occur with my consent. I contacted JPMorgan Chase Bank , N.A . to request information regarding the account used, the endorsement verification, and copies of the negotiated checks. I was informed that no information could be provided because I am not their customer. This raises serious concerns regarding unauthorized endorsement, improper negotiation of jointly payable checks, and failure to verify required endorsements. I request a full investigation, preservation of all records, identification of the account holder, and appropriate action to address the unauthorized handling of these funds. This matter involves the improper negotiation of a jointly payable check without required endorsement from all named payees. I did not receive any portion of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I have a mortgage held by what is now Onity Mortgage, formerly PHH Mortgage, that has been in good standing without any missed payments. The initial loan had Private Mortgage Insurance ( PMI ) as were below 20 % equity. With the most recent regulatory sending of the Mortgage Insurance Notice I became aware of where there should be an automatic termination of PMI per the Home Owner 's Protection Act of XXXX. My loan originally was {$220000.00} per the XX/XX/XXXX statement. My current balance after the XX/XX/XXXX payment is now {$160000.00}. Per an Onity representative, they have record of my original home valuation at {$230000.00}. By my calculations, the PMI should have been terminated once the balance was below {$180000.00} ( 78 % of {$230000.00} original value. ) The automatic termination should have been as of the XX/XX/XXXX payment, as the XX/XX/XXXX statement showed an outstanding balance of {$180000.00}, already in reflection of the payment on XX/XX/XXXX. The PMI allocation has been {$72.00} monthly and, as of the upcoming XX/XX/XXXX payment, is 12 months of additional charges for a total of {$870.00}. I am needing to have these funds credited back to me, with additional consideration of the impact they would have made if applied as a principal payment. Onity 's escalations managers continue to reply with stating that the investor, XXXX XXXX, is requiring a XXXX XXXX XXXX at a charge of {$190.00} to consider canceling the PMI. Whereas PMI should have already been terminated per the XXXX, but further indicates : " The provisions of the act also supersede any conflicting provision contained in any agreement relating to the servicing of a residential mortgage loan entered into by XXXX XXXX XXXX XXXX, or any private investor or note holder ( or any successor thereto ). '' This issue as been brought up to Onity as of XX/XX/XXXX, still with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Shepherd Outsourcing, LLC
State: FL

Complaint narrative:
Received numerous phone calls repeatedly. All phone calls were listed as SPAM on my Caller ID and did not answer and no one left a voicemail. I answered ( XXXX ) today and went back through and called all of the missed phone calls from Sunday XX/XX/year> through Saturday XX/XX/year>. Requested to not receive phone calls from the first one I responded to this afternoon. Florida statues determine that in excess of ( XXXX ) calls in a ( XXXX ) day period are excessive and harassment. When I finally spoke with a supervisor after the final call I was told by the supervisor that I had called ( XXXX ) times. I returned every SPAM call Id received during that time frame. ( XXXX ) total. And the remainder were all from XXXX XXXX. This company is NOT the only holding company for this debt or someone trying to collect a debt that is outside the scope of collection. Each instance of communication was via a different phone number. Once I spoke with a supervisor I was dismissed and talked down to and accused of harassment by returning the phone calls to the various numbers that they communicated to me via. I have requested no one calls in future from them but was not submitted prior to today. I have included such call logs strictly on the last week. I have multiple weeks where this has happened and wish to not continue calling and being yelled at by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding XXXX fraudulent transactions processed through Cash App to the same recipient, which were part of the same scam event but treated inconsistently by Cash App during dispute resolution. Transaction Details : - XX/XX/XXXX at XXXX PM {$180.00} sent to easy form filler.com - XX/XX/XXXX at XXXX PM {$180.00} sent to easy form filler.com Both transactions were made back-to-back within one minute, to the same recipient, under identical circumstances while I believed I was paying for a legitimate service. It was later determined to be fraudulent. Actions Taken : - I disputed both transactions with Cash App immediately after realizing the activity was fraudulent. - Cash App investigated the disputes. - Cash App approved and refunded one of the transactions as fraud, confirming that at least one of the charges was determined to be unauthorized or part of a scam. - However, Cash App denied the second transaction, despite it being identical in recipient, timing, and circumstances. Issue : The second denied transaction is materially identical to the transaction Cash App already confirmed as fraud. Both payments were part of the same scam event, made within one minute to the same recipient. There is no reasonable distinction between the two transactions. Cash Apps inconsistent decision indicates either an incomplete investigation or improper segmentation of what is clearly a single fraudulent incident. Resolution Requested : - Refund of the second {$180.00} fraudulent transaction - A formal explanation of how Cash App distinguished between two identical transactions, one of which was already confirmed as fraud - Confirmation that both transactions were reviewed together as part of the same fraud event I am requesting a full and consistent review and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
On XX/XX/year>, a collection account for {$3000.00} was opened on my credit report. I disputed this debt because it is not valid. According to my lease agreement, I am not responsible for any charges if the lease is terminated due to medical reasons. I provided medical documentation to support my situation. I contacted the company and requested full validation of the debt, including a breakdown of the charges and proof that I am responsible. However, they only responded that the debt is valid without providing proper documentation. Despite my dispute, they are still attempting to collect this amount and report it on my credit. This is incorrect and unfair.

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