vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
My PayPal account was compromised due to unauthorized access, resulting in a fraudulent withdrawal of {$1400.00} from my linked bank account. I did not authorize this transaction. I reported the activity as fraud immediately. My bank conducted an investigation and determined that the transaction was unauthorized and fraudulent, and the funds were reversed and returned to my bank account. Written confirmation of the banks fraud determination is currently being mailed to me and will be provided upon receipt. Despite being informed that this transaction resulted from fraud, PayPal has insisted that I am financially responsible for the amount and has referred the alleged debt to a third-party collections agency. I have formally disputed the alleged debt in writing and requested validation pursuant to the Fair Debt Collection Practices Act. Additionally, the collection agency sent written correspondence to an address where I do not have access to. When contacted by phone, the agency stated that the written notice would be provided via email within XXXX hours ; however, I have not received the promised written notice or validation. I am being subjected to collection activity without proper written notification or verification. I am requesting that PayPal : XXXX. Immediately cease all collection activity related to this fraudulent transaction XXXX. Recall the account from collections XXXX. Permanently remove the alleged balance XXXX. Confirm in writing that I am not liable for this unauthorized activity This complaint concerns an attempt to collect a debt arising from confirmed unauthorized activity for which I am not legally responsible. Sincerely, XXXX XXXX With the attachments below, it is indicated that PayPal says the transaction was done in XXXX, XXXX. I am not located in XXXX XXXX and nor have I been in XXXX, XXXX recently or at the time of the transaction. PayPal is wrongly accusing me of being in a location that I am not even close by. 


I am uploading more evidence with this second complaint but please refer to my original case ( XXXX XXXX : XXXX ) for other details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Subject : Action Required : Account Access & Fund Withdrawal Query - [ Your Account Name/ID ] Dear XXXX Customer Support Team : First of all. thanks for reaching out to me. 
I confirm that my password has been successfully reset. However, I am still unable to view my account details. 
I require an immediate explanation for the reason why you need me to withdraw my funds. I have provided all required documentation and can assure you that no suspicious activity has occurred on my account. I am 100 % certain this is an error and request a clear justification for this decision. 
Despite multiple prior email communications, I have not received a response or seen any corrective action. I expect this issue to be addressed with urgency and a focus on customer resolution. Please note, I do not intend to sell these investments. 
Regards, Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the following account that your company is reporting : Account Number : XXXX XXXX XXXX XXXX XXXX  JEFFERSON CAPITAL This account is fraudulent and does not belong to me. I did not open, authorize, or benefit from this account in any way. The account is the result of identity theft or error. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), I am requesting that you conduct a reasonable investigation and immediately cease reporting this account unless and until it is properly verified. 

If you are unable to provide competent evidence that I am legally responsible for this debt, you must delete the account from all consumer reporting agencies and confirm this deletion to me in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Im unable to use my number to receive and send XXXX payments

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 2026-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
My identification was stollen and a person used it to get this apartment. I was living in another city and state during this time. The bulk of the communication with this person and the property were via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: TFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
We received an inheritance, and wanted to pay off our HELOC. On XX/XX/XXXX I tried to pay off my loan, which had a balance of {$68000.00}, through the Third Federal website. The system would not let me make a payment that large, and directed me to call customer service, which I did. They told me the most I could pay electronically or over the phone is $ XXXX within a XXXX day period, so I made the $ XXXX payment over the phone. The rep said I could mail or take a payment to my nearest branch, which is XXXX miles away. However, their system let me pay random amounts over the next several weeks, until completely blocking me from making any online payments. See below. 

Date Description of Transactions Amount Principal Amount Principal Balance Previous Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And now, even though it has been 34 days since the $ XXXX payment, their system will not allow me to pay off the remaining {$5000.00} and is directing me to call customer service. The message is below. I believe Third Federal is intentionally slowing down their customers ' ability to make electronic loan payments, in order to make more money in interest. This policy is unfair to anyone who is unable or unwilling to drive to the nearest physical location. 

You have exceeded the maximum payment allowed within a XXXX day period. Please call Customer Service at XXXX for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I am submitting this complaint regarding Rocket Mortgage / Quicken Loans failure to recognize my lawful status as a Successor in Interest. 

During the relevant period, I was experiencing XXXX-related and medical circumstances and had requested loss-mitigation assistance, including a loan modification. These circumstances affected documentation timing and made reasonable verification alternatives particularly appropriate. Despite notice of these circumstances, Rocket Mortgage denied my Successor-in-Interest request on a technical basis without offering alternatives and continued foreclosure activity instead of engaging in reasonable servicing and loss-mitigation review. 

I occupy the property pursuant to ownership and possessory rights established by a divorce decree. I am not a tenant and have never occupied the property under a lease. 

I submitted a request for recognition as a Successor in Interest. Rocket Mortgage denied my request solely on the basis that my government-issued photo identification was expired. No statute or regulation requiring an unexpired ID for successor-in-interest verification was cited, and no alternative verification methods were offered. 

At the time of denial, Rocket Mortgage had notice of my ownership and possessory rights and my continuous lawful occupancy. Rather than reasonably verifying my identity, Rocket Mortgage imposed a technical barrier and continued foreclosure-related actions. 

Following the denial, foreclosure counsel issued a tenant-based notice under the Protecting Tenants at Foreclosure Act, mischaracterizing my lawful occupancy despite notice that I am not a tenant. 

HUDs Office of Fair Housing and Equal Opportunity acknowledged my complaint but declined jurisdiction, advising that this matter falls under bank regulatory and legal remedies. 

I dispute Rocket Mortgages actions and request regulatory review of its mortgage servicing practices, including failure to recognize successor-in-interest rights and unreasonable verification requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: MA

Complaint narrative:
XXXX. credit card I paid off the account, the balance was negative, But the credit card company charge a interest when balance negative, and they charge interest even I paid off the balance

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 2026-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding a credit account that was previously investigated and deleted due to inaccuracy, but has now been reinserted by a different company months later without the required consumer notification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Account Details Original Creditor : XXXX Communications per debt collector Current Furnisher/Collector : Amsher Collection Services Account Number ( partial ) : There is no Account number shown just place on my reports Prior CFPB Case Number : XXXX Basis of Complaint Prior Investigation and Deletion This account was previously disputed and investigated. Following that investigation, the account was deleted from my credit report. I have documentation confirming this outcome under the CFPB case number listed above. 
Improper Reinsertion Without Notice Months later, this same account has been reinserted by another company. I did not receive written notification within XXXX ( XXXX ) business days, as required under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ). 

Illegal Re-Aging The reinserted account is now being reported as XXXX : 0 yearsXXXX XXXX months. 

This account is not new, and reporting it as such constitutes illegal re-aging, which misrepresents the true date of first delinquency and violates the FCRA. 

XXXX XXXX XXXX The reporting company has associated this account with my current address, where I have resided for approximately XXXX years. 

This account has no legitimate connection to my current address, making this personal information false and inaccurate. 

Violations Failure to provide reinsertion notice Illegal re-aging of a previously existing account XXXX inaccurate personal and address information Failure to ensure maximum possible accuracy under XXXX XXXX. XXXX ( b ) Requested XXXX I respectfully request that the CFPB require the furnisher and credit reporting agencies to : Immediately delete this account from my credit file. 

Correct and remove all false personal/address information Provide written confirmation of deletion Prevent any future reinsertion without full FCRA compliance XXXX documentation, including my prior CFPB case response, is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I was scammed on XX/XX/XXXX. My savings of XXXX at Capital One bank was wired to a fraudulent account at XXXX XXXX. I called Capital One Daily to find out what was being done about it and was told it was under investigation. and that they were waiting for a response for XXXX XXXX about my claim. 
On XX/XX/XXXX I was told by a Capital One associate to contact XXXX XXXX ( the fraudulent account ) myself and see what they said. I did and because I do not have an account with them, I could not get any information. 
I finally said to an associate that I was not happy with these results and she sent my complaint to someone. A women called me from Capital One saying that wire transfers are not easy to get the money back and that my case had been closed on XX/XX/XXXX! I was calling daily all the month of XXXX and no one told me that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I would like to provide additional information regarding my dispute. 
I requested a payment plan to resolve the remaining balance while this loan is under dispute. PNC Bank refused to offer any payment plan or loss-mitigation option despite my long payment history, fixed income, and the unresolved discrepancy regarding why the loan did not amortize to zero by the extended maturity date. 
I was verbally told by PNCXXXX that deferred payments would simply be added to the end of my loan. I understood this to mean a short extension, but my loan was extended to XXXX months and still shows a remaining balance of {$6000.00}. I never received a revised payoff schedule, written notice of the new maturity date, or a clear explanation of how interest accrued during these deferred payments and extensions. This lack of documentation and clarity prevents me from understanding the accuracy of the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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: LA

Complaint narrative:
I filed a complaint to cash app in regards to this fraudulent payment that this person took money and did not provide the service because he was arrested and is in jail

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiry Caine weiner charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: MT

Complaint narrative:
I am filing this complaint against Solar XXXX XXXX Mosaic for the unauthorized origination of a {$22000.00} loan. This debt was initiated through a predatory door-to-door solicitation by Freedom Forever using a " Blank Instrument '' a 29-page contract where the " System Description '' ( Page 7 ) and " Closing Certificate '' were left entirely empty at the time of signing. 

Critical Evidence of Predatory Lending : The lenders own internal logs prove a lack of informed consent. On XX/XX/XXXX, I received a " Prequalified '' email at XXXX XXXX. The loan was then marked " Completed '' just seven minutes later at XXXX XXXX. It is physically impossible for a consumer to review and understand a 29-page financial document in seven minutes. 

I exercised my right to cancel immediately. Despite written admissions from the sales representative that the situation was " insane '' and " should have been cancelled, '' the company " ghosted '' my requests for nearly two years while reporting this unauthorized debt to my credit bureaus. 

Following an investigation, the Montana Division of Banking ( Department of Administration ) secured a rescission of this loan on XX/XX/XXXX. However, the company has refused to provide the formal " Letter of Deletion '' on company letterhead required to fully repair the damage to my credit score. 
If requested I can provide all correspondence, I have 30+ emails and I am uploading a PDF that i had to combine multiple images into it to provide to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
opened a XXXX card with bank of america that had a sign up bonus for XXXX points for spending XXXX in XXXX months but didnt get the card delivered for XXXX months so only had a month, tried getting bank of america to give me a courtesy week or XXXX more to complete the spend because i barley had the card but they refused for no reason, I just need a few weeks more and i will be able to complete the spend, and i think its only fair to give at least a little more time in this case because i never got the card

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 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Harris and Harris, a debt collection agency recently dinged my credit with an account Ive battled for a decade. I dont believe a debt XXXX XXXX XXXX is eligible to be placed on my credit report as though it is a new account. 
They are trying to collect {$110.00} from a XXXX Phone bill for a company I worked for. 
In XXXX  I worked for a startup and was asked to set up a phone line. I called XXXX and had. them install a phone line. I gave them my name but I did not say I was responsible for the bill, I was just the person who called. The company went out of business soon after that and I began getting this account on my credit report. I fought it and never won, was never told why I was deemed responsible for the bill. Now they are coming after me again after 10 years and its destroying my credit to have a new delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MA

Complaint narrative:
I am disputing an additional {$360.00} charge dated XX/XX/year>. 



I vacated my unit and received a final closing statement dated XX/XX/year>, which listed a total balance of {$2500.00}. This amount was paid in full on XX/XX/year>, and the payment was accepted. 



No indication was provided at that time that the balance was estimated or subject to further adjustment. 


Sending a post-closing accounting error to collections constitutes improper billing and consumer harm. I am disputing this debt formally and requested they recall it from collections immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I made a purchase at XXXX on XX/XX/XXXX using a Synchrony CareCredit account that was advertised as no-interest promotional financing. The deferred-interest terms were not clearly explained at enrollment. 

I made consistent good-faith payments throughout the promotional period. When the promotion ended, a disproportionate amount of deferred interest posted at once, exceeding reasonable expectations based on the original balance. 

On XX/XX/XXXX, I contacted Synchrony to request a one-time promotional interest waiver due to the lack of clear disclosure and my consistent payment history. The request was denied. 

I am requesting review and adjustment of the deferred interest charges.

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 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Responded to XXXX bed rooom rental accommodation in apartment.con, scam person posted as owner, signed a contract, asked for XXXX month rent and security deposit without showing the apartment ( my mistake ). Did a wire transfer for {$3200.00} and the scammmer asked for more money at which point I realized it is a scam.

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