vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 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: LA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Recovery Services, LLC
State: OH

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and failure to comply with the Fair Credit Reporting Act ( FCRA ) by one or more consumer reporting agencies listed above. I disputed inaccurate information appearing on my credit report. The disputed account ( s ) were returned as " verified, '' however no documentation, proof, or method of verification was provided to support the determination that the information was accurate. After receiving the verification response, I formally requested the Method of Verification pursuant to 15 U.S.C. 1681i ( a ) ( 7 ). The credit reporting agency failed to provide : The name and contact information of the entity that verified the account The procedures used to verify the information Copies of any documents relied upon to verify accuracy Despite this failure, the disputed account ( s ) continue to be reported on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Imperial Recovery Consultants, LLC
State: KY

Complaint narrative:
On XX/XX/year>, my vehicle was repossessed. After I was able to retrieve my personal belongings from the vehicle, I discovered that several high-value items were missing. The missing property includes : XXXX {$200.00} XXXX XXXX estimated value {$1100.00} Watch estimated value {$350.00} XXXX tennis bracelet estimated value {$2500.00} These items were inside my vehicle at the time of repossession and were not returned to me. I was not provided with a complete inventory list of personal property, nor was I given a clear explanation of what happened to these items while the vehicle was in the possession of the repossession company and/or storage facility. I believe the repossession company and/or creditor failed to properly safeguard and inventory my personal property, resulting in significant financial loss. I have attempted to resolve this matter directly with the creditor and/or repossession company, but the issue has not been resolved. Resolution requested : I am requesting a full investigation into the handling of my personal property, including : A complete inventory of items removed from the vehicle Chain of custody records showing who accessed the vehicle Immediate return of my missing property or reimbursement for its full value If the items can not be returned, I am requesting full compensation totaling approximately {$4100.00}.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
This complaint covers multiple USAA accounts reported under my identity, including both credit card and loan/account balances, none of which I opened or authorized.I am a victim of identity theft and did not open or authorize the USAA accounts reported in my name. I have no knowledge of applying for, accessing, or agreeing to any credit or loan products with USAA, and I did not authorize the opening of these accounts. Despite submitting an FTC Identity Theft Report and disputing these accounts, they continue to be reported as accurate on my credit file. I requested full account opening documentation, including signed applications or electronic authorization records, identity verification materials, and any records used to approve and establish these accounts. No such documentation has been provided. Instead, these accounts are being reported as valid based solely on furnisher verification responses rather than verifiable proof of authorization or identity confirmation linking me to the accounts. As a result, these accounts remain on my credit report without documented evidence that I initiated or authorized them.

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 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/year>, I initiated the XXXX mortgage payment of {$1600.00} through my bank. I provided Huntington Bank with the check number ( XXXX ) and trace number ( XXXX ) when I contacted them about the payment. XXXX reported the payment as not received and marked it as late, assessed a late fee ( later waived ), and reported negative information to credit bureaus. I requested a trace investigation and confirmation of the payment status, but XXXX has not provided the results of any trace or confirmed whether the payment was received, pending, or misapplied. They suggested the payment XXXX have been delayed or lost in the mail but did not verify this or correct the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: AL

Complaint narrative:
I submitted a PSLF buyback request through Federal Student Aid in XXXX of XXXX, and my loan servicer is MOHELA. They have confirmed that my buyback request was submitted, but they have been unable to provide me with any status update. I have been waiting for information regarding my buyback offer and/or forgiveness determination for an extended period of time, and my account remains unresolved. I am requesting assistance in reviewing my case, providing a status update, and ensuring my account is being properly processed while my buyback request is pending. Loan Servicer : MOHELA Name : XXXX XXXX Contact Phone Number : XXXX Email Address : XXXX PSLF Reconsideration / Buyback Case Number : XXXX Thank you for your assistance in resolving this matter. Sent from my XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
Despite providing clear evidence that XXXX charged my mothers card ending in XXXX and not my Cash App account, Cash App continues to withhold my funds and refuses to issue a provisional credit while repeatedly stating they will only document my complaints, which does not provide a resolution. In addition, my account was wrongly restricted for nearly a year, preventing me from accessing my money, and now that access has been restored, my full balance is still not available. This reflects a failure to properly address my claim under Regulation E, as I am being denied timely access to my funds despite clear proof that the error originated within Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I am a victim of identity theft and did not open or authorize the Capital One Auto Finance loan reported in my name. I have no knowledge of applying for, signing, or agreeing to any auto financing agreement, and I did not authorize the opening or funding of this loan. Despite submitting an FTC Identity Theft Report and disputing this account, it continues to be reported as accurate on my credit file. I am aware that personal information such as address history or prior identity data may have been used to validate contact information or update records. However, any matching address information or identity data does not constitute authorization of this loan and does not establish that I opened or agreed to this account. I requested complete loan origination documentation, including the retail installment sales contract ( RISC ), signed application or electronic authorization records, dealership documentation, and identity verification materials used to open and fund this loan. No such documentation has been provided to me. The account continues to be reported as valid based solely on furnisher verification responses rather than verifiable proof of my authorization or contractual agreement. As a result, this loan remains on my credit report without documented evidence that I initiated, signed for, or authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have Bank of America XXXX XXXX XXXX ending in XXXX. They have made it so complex to reach out to a human customer service. So much robots and automation. I can not even make a payment on my own using the website- as there is no option for paying using the savings bank account - only checking and money account. Very weird bank. Call the toll free # XXXX you will end up dealing with robots or chat bots or 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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: KY

Complaint narrative:
I notice an unauthorized purchase on my cash app account card for the amount of {$100.00} on XXXX at XXXX XXXX. I called Cash app and explain the issue. Cash app did a review and I was told that this was an approved purchased, which is not true. I have no knowledge of this company nor did I make this purchase. I also asked cash app for more information in regards to this transaction and they can not give me anything other than " XXXX XXXX and a zip code XXXX '' I didn't receive any information on where the purchase was made where this company is located nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I am filing a complaint regarding a significant error in my mortgage escrow account that has not been resolved despite multiple attempts to address it directly with my mortgage servicer. My mortgage company shows a property tax disbursement of approximately {$95000.00} from my escrow account. However, I have confirmed directly with XXXX XXXX tax office that they only received {$5000.00}. This leaves approximately {$90000.00} unaccounted for. As a result of this apparent error, my mortgage servicer has dramatically increased my monthly payment to approximately {$24000.00} due to what appears to be an artificially created escrow shortage. This payment amount is incorrect and not financially feasible. I have contacted my mortgage company multiple times and escalated the issue. While they have acknowledged that the matter is under review, they have not provided : XXXX of where the {$95000.00} disbursement was sent Confirmation of whether the funds were misapplied A clear timeline for resolution Correction of my escrow balance Restoration of my correct monthly payment This issue is urgent and is causing significant financial distress and concern about potential late fees, penalties, or negative credit reporting.

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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I sent over a wire transaction to a person by the name of XXXX XXXX on XX/XX/XXXX. This wire transaction was for the amount of {$18000.00} and the dollar amount was for a wire transfer fee of {$30.00}. This makes the total come to {$18000.00} which is what this cost me all together. I also had to pay taxes on this money to take it from my XXXX account for around {$2500.00} which is not figured into this dollar amount as well. The name of the bank is BANK OF AMERICA , N.A . The city and state of this bank is located in XXXX XXXXXXXX XXXX. The XXXX 's name on the account that received the funds from me is XXXX XXXX. His address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX located in the United States. The reason for my reaching out to you regarding this matter is because this person of interest showed up and started asking me for money very desperately. He kept lying to his bank stating that I was his cousin. I never met this person, nor is he related to me. This man is a BIG TIME SCAMMER. I filed a dispute with my XXXX account regarding these charges of mine that went to this scammer fraudulently for no reason. I will have my documents uploaded so that you can visually see what the amount was for and the date it all took place. In the documents you will also see the date and time that the transaction took place. You will also see his bank credentials where this money went to. I filed a police report on XX/XX/XXXX regarding all that has happened to me with this case. The case # XXXX was the report number taken by XXXX XXXX XXXX The next page shows all of the different addresses XXXX XXXX had where he lived. He seemed to never stay in XXXX place too long. Probably because he was afraid of being caught. As of right now, I want this perpetrator caught and my money refunded back to me that he has of mine. The incident date of the next report is from XX/XX/XXXX and the incident report # XXXX. This is the same as the other report # except that there's XXXX 's in front of the XXXX. The page with XXXX XXXX 's credentials is all included in the uploaded documents. The last page is the name of the XXXX XXXX XXXX. Her name is XXXX XXXX. Everything is all detailed out with her information from her business card from the XXXX XXXX. I have not contacted BANK OF AMERICA , N.A . myself personally to discuss this matter with them. This is why I reached out to my XXXX bank to ask them for help with this matter. I filed a dispute with them around XX/XX/XXXX. I haven't heard back from them as of today 's date, XX/XX/XXXX. I'm really hoping that they can help resolve this matter very quickly in my favor. I hope he gets caught along with the others that were involved in this scam. He needs to pay for his crime he committed.

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 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
on XX/XX/year> my account was merely just {$40.00} in the checking account and my thread of transfers will show that anytime I have money on PayPal 's platform I move it less than an hour sometimes less than XXXX minutes but in this case I fell asleep on XX/XX/XXXX rolled over on XX/XX/XXXX in the way of the morning and miraculously {$30.00} was gone but my account was still locked as I had left it for XXXX hours prior to money just up and moving I have about metrics there as a second identification Factor as well as a passkey which is not numeric or letters it's a pattern to draw and I wanted to see how a XXXX was able to move money from PayPal and I also have documentation showing that it was trying to go get it for my cash app which was locked didn't get it so some reason PayPal was victim and I did not move that money because I trusted their security measures there was a compromise in the system there was a breach and it wasn't my fault returning my money has been a hassle not just XXXX time all the time they're not really secure about getting your money back and they don't care about policy they don't care what to read in stone before your face they did not care that I was trying to order food when I noticed that my funds were depleted down to {$5.00} they did not want to give me the XXXX XXXX credit though that was very much under the guidelines of me being granted said credit this unauthorized transaction was not my doing as well as it was inconvenienced to me and my children that could have been potato chip change or it could have been a meal or freeze cup from the neighborhood XXXX what had actually happened was my XXXX XXXX was disconnected especially with a XXXX account that's prepaid and I yeah that as well

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
A collection account from Jefferson Capital System appeared on my credit report for {$100.00}, allegedly originating from XXXX. I do not recognize this debt and have no record of ever having an account with XXXX or owing this amount. I did not receive any prior notice or validation of this debt before it was placed on my credit report on XX/XX/year>. I am requesting that Jefferson Capital System provide full verification and documentation proving this debt belongs to me. If they can not verify it, I am requesting that this collection account be immediately removed from all of my credit reports. This unverified collection is negatively impacting my credit score, and I believe it may be a case of mistaken identity or a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
As a result of a recent data breach, my personal identifying information was compromised and used without my authorization. Consequently, unauthorized accounts, unfamiliar credit inquiries, and incorrect late payment records have appeared on my credit reportnone of which I opened, approved, or recognize. Pursuant to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I am formally requesting a full reinvestigation of these accounts and inquiries. I ask that any information found to be inaccurate, unverifiable, or fraudulent be permanently deleted from my credit file. Enclosed is supporting documentation, including an Identity Theft Report, to aid in your investigation.

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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had placed a few orders with XXXX. 1 item was stolen by the carrier when wlhe was told to return it and the carrier company refused to investigate. 2 other item were knock-off fraudulent items. I complained to XXXX they did nothing and then I filed a claim with capital One bank and from there XXXX refused to get involved. I submitted a plethora of documents to prove the stolen item and refusal to investigate as well as that the other items were in fact fakes. Still nothing was done and capital One took back the provisional credit and left my bank account in a negative balance for the amount in question of {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P&B Capital Group, LLC
State: TN

Complaint narrative:
I am disputing a collection account being reported by P & B Capital Group LLC. I previously disputed this account through the credit bureaus, and it was marked as verified as accurate, however no proper validation or documentation has been provided to support the balance or the accuracy of the account. I requested verification of this debt, including documentation showing I am legally responsible for the account and how the amount was calculated, but the company has failed to provide sufficient evidence. Simply stating that the account is verified without providing supporting documentation does not meet the requirements under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Due to the lack of proper validation, I believe this account may be inaccurately reported and should not be allowed to remain on my credit report. I am requesting that the company provide full validation of the debt, including original creditor information and a breakdown of the amount, or have this account removed from my credit report.

Company response to consumer: Closed with explanation