vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, states that a consumer reporting agency is required to block and remove any information identified as resulting from identity theft within four business days of receiving proper documentation. As I am a victim of identity theft and have no knowledge of the accounts in question, this law requires that all such fraudulent accounts be blocked and removed expeditiously from my consumer report. Please note that these same fraudulent items have already been deleted from my file with XXXX due to confirmed identity theft. In light of this, I expect XXXX XXXX XXXX to take immediate and consistent action to block and remove these accounts without delay. XXXX XXXX Bank Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened XX/XX/XXXX Bank Name : XXXX XXXXXXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Bank Name : XXXX XXXX, XXXX Account Ending : XXXX Date Opened XX/XX/XXXXXXXX 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 2026-06-01 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Received a call stating someone tried to open an account under my name and Social Security number for a Citibank Credit card. person 's name was XXXX XXXX XXXX number XXXX XXXX me a case number of XXXX I do not know if this is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My card was stolen along with about 4 other of my cards during a trip abroad during the last week in XXXX. No other credit cards have given me an issue but TD Bank. On this particular card there were two fraudulent charges made totaling {$260.00}. ( {$220.00} & {$38.00} ) Twice my dispute was denied. The reasons given was that there were only two fraudulent charges, why did the person just stop using the card, as if I would know or could answer that question. Also, I was told I was continuing checking my account, which I could not even do because I did not even have service abroad on my phone. They requested I get a police report which is impossible since I am no longer in that country. This whole thing has been very frustrating and disturbing on top of everything else I had to deal with relating to having my wallet pick pocketed abroad. I am grateful to the other companies who graciously and expeditiously handled my claims. I am very disappointed in TD Bank as I am a long standing customer. I have recently had to move my savings from them and feel this may be retaliation. I just really want this situation handled quickly and properly, it is already going on two months. This is literally illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Subject : Formal Complaint Regarding Mishandled Wire Transfer ( Fourth Investigation ) To Whom It May Concern, I am submitting a formal complaint regarding an unresolved wire transfer from XX/XX/year>. The transfer of {$25000.00} was sent from a Wells Fargo personal account ( my stepfathers ) to my personal XXXX account. Due to a routing errorwhere the ACH routing number was likely used instead of the wire routing numberthe funds never reached my account. I have had four separate cases opened with Wells Fargo regarding this, each closed without resolution. On this fourth attempt, I was told the funds were received by XXXX, but no documentation or account reconciliation has been provided. I request that Wells Fargo produce the full wire trace, including the exact routing and account number transmitted, confirmation of whether the wire was accepted, rejected, or returned, and any account where returned funds might have been posted. I am not seeking a generic investigation reset ; I need a final, documented disposition of the {$25000.00}. Thank you for your prompt attention. Sincerely, XXXX XXXX XXXX XXXX Feel free to adjust any specific dates or details once you receive any written responses from Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: OK

Complaint narrative:
I am filing this complaint because Planet Home Lending completely ignored my timely insurance documentation, resulting in severe financial distress and an escrow double-payment error.Prior to Planet Home Lending renewing my escrowed insurance, I officially notified them that I was switching my homeowners insurance provider from XXXX to XXXX. I explicitly provided Planet Home Lending with the required XXXX declarations page as proof of coverage, which they received. XXXX officially canceled my old policy on XXXX XXXX.Despite having this documentation on file well ahead of time, Planet Home Lending completely ignored my notification. They proceeded to pay both the canceled XXXX policy AND the new XXXX policy out of my escrow account. I do not know the exact dates Planet Home disbursed these premium payments, but Planet Home holds those financial records and must produce them for this investigation.This unauthorized double-payment forced my escrow account thousands of dollars into the hole and caused my monthly mortgage payment to skyrocket from {$1100.00} to {$1400.00}. Planet Home Lending then unexpectedly pulled this inflated amount from my checking account starting with my XXXX payment without any prior warning.This triggered a severe cascade of negative balances and bank overdraft fees that I am still trying to recover from. While XXXX eventually issued a refund check for the canceled policy, I was forced to use those funds immediately to cover the negative bank balances and emergency bills caused entirely by Planet Home 's initial accounting error.Because of this ongoing financial strain, I am now forced to make emergency split payments for XXXX just to protect my credit. Planet Home Lending is entirely at fault for ignoring my timely submission of the XXXX declarations page. I demand that Planet Home immediately run an expedited Escrow Analysis to remove the artificial shortage penalty, reset my monthly payment back to my true {$1100.00} rate, waive any late fees incurred due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Two times I went to deposit money in my bank in my account and my money got put in other people 's accounts. One time someone else put money in their account and it went to my account and I spent some of the money not knowing it was other people 's money because it was in my account then I had to repay the money. After the first time this happened I talked to the manager of the bank and she promised me it would never happen again and it's happened two different times since then and I am just trying to make sure this doesn't happen anymore to us or anyone else. It is not good to think that you have money in your bank because you deposited money, and then you go to spend money and get rejected at a creditor or a Store. I want this to stop or I will contact an attorney and do the necessary procedures to ensure this doesn't happen anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. Section 392.101 of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau from engaging in debt collection in XXXX unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Engaging in debt collection without filing a bond with the secretary of state is a violation of XXXX XXXX and may also be a criminal offense. XXXX. Fin. Code XXXX. The attorney general or a district or county attorney may investigate an alleged violation of XXXX XXXX According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. XXXX XXXX, Finance Code, provides for both civil remedies and criminal penalties. XXXX. Fin. Code XXXX. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of XXXX XXXX In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated XXXX XXXX by engaging in a false, misleading, or deceptive act or practice. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
Again I came to withdraw cash and they said they do not have {$9000.00} on hand to give me they again have a liquidity issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX is seeking to collect about {$4700.00} owed. XX/XX/XXXX I paid a balance of XXXX for XX/XX/XXXX XXXX XX/XX/XXXX. The new tenant moved into the unit XX/XX/XXXX. Per XXXX XXXX this business has found a tenant signing a new lease in the unit I moved out of. Furthermore, no lease renewal was sent to the tenant portal to resign XXXX XXXX 60 days before termination. Lastly, XXXX XXXX left a voicemail for me to terminate my service so the new tenant can move in. This further validated that I am no longer responsible for paying the rent, as a new tenant moved in, and they can not collect double rent. This amount is inaccurate as I have proof of the rental up for rent XX/XX/XXXX and a screen shot of XXXX XXXX leaving a detail voicemail regarding the new tenant moving in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
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 Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Valon Technologies, Inc.
State: FL

Complaint narrative:
Valon mortgage services are taking my additional principal and every month they try charging me 3 months interest before they apply the rest to principle. This is a XXXX XXXX that valon has been servicing for 3-4 months. I have called them to work out the first one, emailed all other months for a record. Do i have to argue with them every month? All I want is the additional amount ( above my monthly payment ) applied to the principal. They repeat the same thing, trying to take 3 months intrest and then applying the rest to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I received a letter in the mail from XXXX XXXX XXXX XXXX requesting that I pay {$1900.00} for a Paypal , Inc debt. I have never had any loans or credit cards from Paypal. I have only ever used it as a third party to protect my transactions that were paid in full with my debit card. As a result, I know for a fact that this debt is not mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I. Incident Overview and Lack of Due Process On XX/XX/year>, I contacted the Default Resolution Group ( DRG ) at XXXX to secure an emergency Administrative Review for a Treasury Offset Hardship Refund. The agent denied such request. I requested to speak to a supervisor and when the supervisor ( XXXX XXXX got on the line she immediately refused to refund my money without conducting any intake interview or asking a single question about my financial needs or unhoused status. When I explained that I'm currently experiencing a severe hardship and got a letter from my case worker to prove my hardshio, she incorrectly stated that because of the current pause on offsets, refunds are completely unavailable. She demonstrated a total lack of regulatory knowledge and demanded that I reveal where I found the guidelines when I corrected her. She refused to fulfill her operational duty to understand active federal collection rules. II. Pattern of Agent Misconduct and Call ManipulationRefusal of Escalation : When I requested to speak with an administrator due to the supervisor 's clear incompetence regarding hardship guidelines, she refused and instead transferred me to a different supervisor. Retaliatory Disconnection : As soon as the second supervisor joined the line and I reiterated my request to speak to an administrator, that supervisor intentionally hung up the phone. Call Ghosting/Line Blocking : I repeatedly attempted to call back to resolve the issue. On my final attempt, the agent who answered refused to speak or say anything at all, keeping the line silent. The agents are either completely incompetent or are intentionally exploiting phone delays to avoid handling a valid hardship claim from a vulnerable citizen. Violation of Hardship Protection : Under Department of Education guidelines, my current residency is constitutes a catastrophic financial crisis that qualifies for an offset refund. By refusing to ask intake questions and hanging up the phone, the agency blocked my right to due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a consumer reporting agency to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information appearing on a credit report. I submitted multiple disputes challenging inaccurate, incomplete, and misleading information appearing on my credit file. Rather than conducting an independent and reasonable reinvestigation, the consumer reporting agency issued generic responses stating only that the information was verified or updated by the furnisher, without addressing the specific inaccuracies identified in my disputes. The agencys continued reliance on automated verification procedures and unsubstantiated furnisher responses does not satisfy its statutory duty under the FCRA. Despite my repeated disputes and supporting documentation, the inaccurate information remains on my credit report. As a result of this unlawful reporting, I have suffered actual damages, including credit denials, reduced access to financing, financial hardship, and emotional distress. The consumer reporting agencys conduct constitutes both negligent and willful noncompliance with the FCRA and exposes it to liability under 15 U.S.C. 1681n and 1681o.

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 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I submitted my SCRA military relief request in XXXX while on XXXX XXXX orders. American Express took approximately XXXX days to process the request. By the time they processed it, my XXXX XXXX orders had ended. They denied my relief citing the processing delay as the reason. A delay caused entirely by their own processing time, not my eligibility. When I called to dispute, American Express acknowledged both that I submitted the request in XXXX and that the denial was due to their processing time, not my qualification status

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Creditor : Department XXXX XXXX Bank Account : XXXX Collection Agency : Portfolio Recovery Associates Current Balance : {$410.00} Original Balance : {$410.00} I am formally disputing the reporting of the above-referenced account pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account is currently being reported with a balance of {$410.00} and an original balance of {$410.00}. I dispute the accuracy, completeness, and verifiability of this information. Under 15 U.S.C. 1681, consumer reporting agencies and furnishers of information are required to maintain maximum possible accuracy when reporting consumer information. I request that XXXX XXXX XXXX XXXX and Portfolio Recovery Associates conduct a reasonable investigation and provide competent evidence that supports the reporting of this account, including : * A signed agreement or contract establishing my responsibility for the alleged debt. * Complete account statements and payment history. * Documentation showing how the balance of {$410.00} was calculated. * Documentation proving the legal transfer, assignment, or ownership of the account to Portfolio Recovery Associates. * Verification that all information furnished to the credit reporting agencies is accurate and complete. Pursuant to 15 U.S.C. 1681i, if the information can not be verified through a reasonable investigation, I request that the account be corrected or permanently deleted from my consumer reports. Additionally, pursuant to 15 U.S.C. 1681s-2, furnishers have a duty to investigate disputed information and correct or delete information that can not be verified. I am requesting the assistance of the Consumer Financial Protection Bureau in ensuring that a proper investigation is conducted and that any inaccurate, misleading, incomplete, or unverifiable information associated with this account is removed from my credit reports. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX Disputed : {$410.00} Original Balance Disputed : {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am the Court-Appointed Independent Administrator of the Estate of XXXX XXXX XXXX . The borrower died on XX/XX/XXXX. GoodLeap received repeated written notice of the death, active probate administration, and my authority to act on behalf of the Estate. Despite these notices, GoodLeap continued collection activity directed toward the account, including communications addressed to the deceased borrower, demands for payment, threats of adverse credit reporting, and collection notices posted at the property. The Estate repeatedly requested account records, account status, confirmation of deceased-account coding, credit reporting information, and written confirmation regarding collection activity. Complete responses were not provided. The property was under active structural investigation and an ongoing insurance claim review. GoodLeap was advised of these circumstances and of the Estates position that major actions affecting the property should not occur without proper review. On XX/XX/XXXX, GoodLeap disabled solar production associated with the property. XXXX XXXX subsequently confirmed in writing that solar production had been turned off by GoodLeap. The property is occupied by a disabled sole heir. Following the solar shutdown, the household incurred substantially increased electrical utility expenses, including an electric bill of approximately {$270.00}. I am requesting CFPB review of GoodLeaps collection practices, handling of a deceased borrowers account during active probate administration, communications directed to the deceased borrower, threatened credit reporting, failure to provide requested account information, and the authority relied upon to disable the solar system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
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 non-monetary relief