vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
On XX/XX/year> I was a victim of a phone scam via my missing dog. My dog went missing on XX/XX/year> and received a call from someone posing as a state vet official. They stated that my dog had been hot by a car and had life threatening injuries and that he was going to be going into XXXX. They needed my consent to do these XXXX, then they sent a ai doctored photo of them operating on my dog. They needed XXXX up front to do these surgeries. Told us an address of a real vet clinic, so we rushed to this clinic after sending the money through Huntington XXXX. When we got to the vet, our dog was not there and the vet had no idea what we were talking about and that they can't even perform surgeries at that location. After this the person we were in contact no longer was answering the phone. I let Huntington know immediately, and had to wait for the transaction to post. When it did the following day, I submitted the dispute with evidence of the ai doctored photo and text chain. They denied my dispute citing no evidence, not even what I had sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am submitting this complaint regarding the handling and classification of a {$5000.00} deposited check during a receiver/levy process involving my Wells Fargo account . On Friday ( XX/XX/year> ), a receiver/levy action was initiated on my account. Tuesday ( XX/XX/year> ) I had deposited a {$5000.00} check that appeared on my account but was not fully cleared or finalized. Over the weekend and during subsequent communication with Wells Fargo, I was informed by deposit processing that the check had not been collected, had not been released, and remained under an endorsement exception hold. I was also told that Wells Fargo did not yet have possession of the funds and that the item was still pending review. Even though there was a posting of the {$5000.00} on the account. Despite this, I was informed that the funds were treated as available during the legal/receiver process. This created confusion because there appears to be a discrepancy between departments regarding the status of the deposit at the time the levy was processed. After escalation to executive support, I was informed that the check had not actually cleared and that there was uncertainty as to why legal processing treated the funds as available. I was also advised that internal teams are still reviewing the situation and that the bank has not confirmed clear finalization of the deposit at the time of the levy action. My concern is that there may have been a timing or classification issue between posted, available, and collected/settled funds. I am requesting a full review of the timeline of events, including the exact status of the {$5000.00} deposit at the time of the levy, and clarification on why legal/remittance processing appeared to treat funds as available when deposit processing indicated the funds were not yet collected. I am also requesting confirmation of whether any remittance to the receiver has been finalized or whether adjustments or supplemental corrections may be required based on the final determination of the deposits collected status. My request is for a clear explanation and review of how the deposit was classified across departments during the levy process and whether the correct distinction between provisional and settled funds was applied at the time of action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting connected to a XXXX XXXX account. The devices associated with this account were returned to XXXX ; however, XXXX continues reporting a collection balance of {$2100.00} on my credit reports. I dispute the accuracy and completeness of this reporting. I am requesting a full investigation and verification of : * Device IMEI/serial number records * Return tracking information * Warehouse/device intake logs * Billing calculations * Proof the returned devices were not received The account currently reports inconsistent and potentially inaccurate information, including reporting as both an open account and a closed account while simultaneously listed in collection status. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report complete and accurate information. If XXXX can not fully verify this account and balance, I request immediate deletion of the tradeline from all credit bureaus. This inaccurate reporting is causing ongoing financial harm and negatively impacting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am a consumer residing in California. I am filing this formal complaint against Midland Credit Management XXXX XXXX XXXX XXXX, and XXXX XXXX for systemic credit reporting violations under 15 U.S.C. Section 1692g and California XXXX XXXX XXXX XXXX. This company is a XXXX debt buyer that has placed a derogatory collection record on my credit profile. Under the California Fair Debt Buying Practices Act ( XXXX ), a debt buyer is strictly prohibited from reporting or attempting to collect a debt unless they possess a complete, unredacted chain of title, the original signed contract, and an itemized breakdown of all accumulated fees. Furthermore, the underlying alleged debt has completely surpassed the XXXX California Statute XXXX XXXX for written contracts pursuant to California Code of Civil Procedure Section XXXX. Because this debt is legally time-barred and uncollectible in a court of law, reporting it without verifiable chain-of-title documentation constitutes deceptive collection tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PNC Bank N.A.
State: TX

Complaint narrative:
CFPB Consumer Complaint Company Name : PNC Bank , National Association Product/Service : Vehicle loan or lease Issue : Trouble with how the company handles payments Complaint Description : I am filing this formal complaint against PNC Bank regarding unfair and anti-consumer payment restrictions on my auto loan ( Account No. XXXX ). PNC Bank actively blocks the use of debit cards for monthly loan payments. Instead, they force consumers to rely exclusively on XXXX XXXX drafts using checking and routing numbers ( ACH ) .I directly contacted PNC Bank to resolve this issue, and a representative explicitly told me that their system is simply " not set up '' to accept debit card payments for auto loans. This lack of basic financial infrastructure causes direct financial anxiety and operational inefficiency. ACH processing is an outdated method that takes multiple business days to settle. This delay forces me into a state of financial limbo, making it impossible to maintain real-time accuracy over my bank balance.By contrast, debit card payments process immediately. They deduct funds instantly and provide immediate confirmation that a debt obligation has been met. By denying a standard, instant payment method, PNC Bank increases the risk of overlapping transactions, processing lags, and accidental overdrafts for its consumers.In today 's digital banking ecosystem, immediate payment processing is an industry standard. PNC Banks failure to equip its systems for debit card acceptance is a regressive practice that serves as an unnecessary barrier to timely debt repayment. I request that the CFPB compel PNC Bank to modernize its payment options, accommodate debit card processing for auto loans, and provide an immediate resolution to this artificial payment bottleneck. Desired Resolution : I want PNC Bank to update its system capabilities to accept real-time debit card payments. Because customer service confirmed their infrastructure is lacking, I require a supervisor to provide a manual override or establish a fee-free alternative that delivers instant payment confirmation without multi-day ACH settlement delays. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX Transaction date : XX/XX/year> Card type : XXXX Transaction type : Purchases Merchant description : XXXX XXXX XXXX XXXX XXXX Merchant information : XXXX, IN Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX Transaction Category : get more information about transaction category Shopping & Entertainment : Hobbies Select toEditthe transaction category Online Purchase : Y Scammers ordered a digital product that was sent to my email that I never ordered. I do not have the invoice or product email anymore. I believe my email was also hacked and they deleted the email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/year> USAA restricted checking account, XXXX XXXX XXXX XXXX XXXX which are currently holding her social security XXXX income. I made a call on yesterday to USAA to address why these accounts were restricted and they told me that they could not tell me why. I then asked to speak to a supervisor and she told me the same as well. Then said I wont be able to get my daughters XXXX income which pays for a roof over my daughters head also her daily essentials and monies for medical expenses and travel, for over 60days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Sequium Asset Solutions LLC - XXXX, XXXX, XXXX, XXXX. They previously attempted to collect this debt from me on XXXX XX/XX/XXXX and subsequently recorded a negative mark on my credit report. Sequium then acknowledged that I did not owe the debt, as XXXX confirmed I was not responsible for it. XXXX also stated they informed Sequium of this fact, which resulted in the negative marks being removed from my credit report. Despite this, they are once again contacting me regarding the same debt and have threatened to impose negative marks on my credit report if I do not make a payment. I requested documentation of the debt, and they assured me it would be sent, but I have not received it. As of XXXX XX/XX/XXXX, they have called me again, I asked for the paperwork but didnt get a real response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
" An unauthorized credit card account was opened in my name due to identity theft. I do not have a relationship with Citibank. I have attempted to call their fraud departments multiple times and am unable to reach anyone. Under federal law, I demand this fraudulent account be closed and deleted from my credit reports. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am a victim of identity fraud. A person or persons have created a false social security card with my name on it and a fake Texas drivers license with my name and their likeness. They have been renting multiple residences throughout the XXXX, XXXX, XXXX and surrounding Texas area. I have never been to nor do I know anyone in the state of Texas and have no association with any of these people and have not given any of them my consent or personal identification information. They have repeatedly attempted to open bank accounts, credit accounts, service accounts for phones and cable and loans. Upon notice of these events, I immediately took action and notified the management companies of the occupied properties and notified the police and I have made a police report in both XXXX XXXX ( police report TX XXXX XXXX XXXX ( XXXX ) XXXX ) and New York XXXX police report NY XXXX ) where I have reside and am domiciled all my life. I have notified this debt collector that I am a victim of identity theft offered to provide the police report details and that the person that they rented to has an open warrant for arrest. I also said that their are alerts of this type of identity theft on my credit report for years that should have alerted them to the crime. They threatened to place the {$10000.00} debt on my credit report. I told them that I had previously reported the identity fraud to the FTC and they said they looked forward to placing this debt on my credit report. The debt collector is Aldous & Associates XXXX. XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX reference XXXX for XXXX XXXX XXXX XXXX for address XXXX XXXX XXXX XXXX XXXX, TX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: MD

Complaint narrative:
I am filing an expedited corporate compliance complaint against PayPal , Inc. for an egregious, willful violation of federal consumer protection regulations. My financial account was compromised by an unauthorized third party who gained illicit access and initiated fraudulent transactions on the XXXX delivery platformspecifically targeting unauthorized commercial orders at XXXX and XXXX. The fraudulent user profile responsible has been identified as operating under the name " XXXX XXXX ''. I have taken aggressive, formal legal action regarding this identity theft, resulting in an active, official criminal complaint filed with law enforcement authorities via the XXXX XXXX XXXX XXXX XXXX XXXX ( Official Active Case Number : XXXX ). Despite being explicitly and repeatedly notified of criminal account takeover, identity theft, and unauthorized electronic fund transfers, PayPal has flatly refused to properly log, categorize, or investigate these specific charges. Today, XX/XX/year>, I spoke directly with a PayPal phone representative to demand a proper fraud investigation. The agent explicitly refused to log the dispute as an " Unauthorized Transaction. '' Instead, the agent stated that PayPal would only process the claim if it was forced into a standard retail shipping dispute category ( " Item Not Received '' ). This is a malicious and deceptive trade practice. Coercing a victim of criminal identity theft into filing an " Item Not Received '' claim is a deliberate attempt by PayPal to strip away my federal consumer rights under Regulation E. By forcing this misclassification, PayPal avoids its strict statutory mandate to investigate unauthorized fund transfers, attempts to manipulate its internal fraud metrics, and dishonestly shifts the entire burden of commercial delivery proof onto me, the defrauded consumer. PayPal 's refusal to honor my explicit declaration of fraud and their active suppression of a compliant Regulation E dispute constitutes an absolute regulatory failure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.

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 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: NC

Complaint narrative:
Currently going through a financial hardship and Ive communicated this with Maxlend. They are unwilling to work with me, even though I have taken out loans from them in the past and have paid back on time. Instead, they are letting me know I had two loans on my account that are escalated, even though you are only eligible to take one loan out at a time, so that cant be possible. I had a returned payment that I rescheduled payment for, but they arent helpful to loyal customers who are looking to just pay off in full. The interest fees are horrible! You can take out a {$2000.00} loan and you end up paying back {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
I am filing a formal complaint against my mortgage servicer regarding an improper and unexplained charge of {$300.00} applied to my loan account. Despite prior attempts to resolve this issue directly with the company, they have failed to provide a clear explanation, supporting documentation, or correction, and continue to retain funds that appear to have been taken without justification. This complaint also constitutes a Notice of Error under the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605 and Regulation X ( 12 C.F.R. 1024.35 ). Issue Details A charge of {$300.00} was assessed or retained without proper explanation The servicer has failed to : Provide a clear accounting of the charge Show the contractual or legal basis Correct the error after being notified Requested Resolution I am requesting that the servicer : Conduct a full investigation of the {$300.00} charge Provide a complete written explanation with supporting documentation Issue an immediate refund or account correction if the charge can not be substantiated Provide a complete loan payment history/account ledger Regulatory Concern The servicers failure to adequately respond raises concerns about compliance with federal mortgage servicing laws, including their obligations to properly investigate and respond to borrower disputes. Escalation If this issue is not promptly resolved, I am prepared to pursue further remedies, including additional regulatory complaints and potential legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
- Im writing to file a complaint against [ Collection Agency Name ] for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation