vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year> the state revenue placed a Levy on my bank account but due to my financial hardship situation they released my funds. On Friday XX/XX/year> I was sent my rent money Via XXXX XXXX which was supposed to be loaded to my account on XX/XX/year> which is the day the Levy was placed. My state revenue sent Bank of America a release form and I explained to my bank if I don't pay my rent by today XX/XX/year> I will be evicted with no place to go. My bank is claiming that they have a right to hold my funds for two business days, but due to my financial hardship they should be releasing my funds at this point they are refusing to release my funds leaving me homeless with a XXXX XXXX. Even the state revenue said they can't hold my funds or restrict me from accessing my money that they were instructed to release

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 2026-05-19 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
- XX/XX/year> : Credit card was used without my authorization at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$170.00}. - XX/XX/year> : Credit card was used without my authorization at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX for {$170.00}. XX/XX/year> : Credit card was used without my authorization at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$170.00}. - XX/XX/year> : Credit card was used without my authorization at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX for {$170.00}. - XX/XX/year> : Credit card was used without my authorization at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX for {$170.00}. - XX/XX/year> : Credit card was used without my authorization at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX for {$170.00}. - XX/XX/year> : Credit card was used without my authorization at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$170.00}. - XX/XX/year> : Credit card was used without my authorization at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$170.00}. Total : {$1300.00} My credit card was not physically stolen, however, the information was. I never leant the card to anyone or gave anyone permission to use the card. I reported the incidents to the credit card company ( Apple/Goldman Sachs ) when I first became aware of the unauthorized transactions, which was on or around XX/XX/year>. The credit card company has denied my dispute several times and has yet to offer any evidence/documents supporting their position.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I was the victim of a social engineering scam and was manipulated into sending {$400.00} through PayPal using the Friends and Family option under false pretenses. The individual misrepresented the purpose of the transaction and instructed me to send the funds as part of a process to verify or release funds. After completing the transaction, I quickly realized the situation was fraudulent. I immediately contacted PayPal on XX/XX/year> to report the issue and was advised to contact my bank to stop the payment. On XX/XX/year>, I contacted my bank and successfully rejected the ACH transfer associated with the transaction. As a result, PayPal paid the recipient but did not receive funds from my bank account. My PayPal account is now showing a negative balance of {$400.00}. I attempted to report this transaction as fraud through PayPal ; however, I was unable to submit a proper claim due to the transaction status and payment type. Despite being a victim of fraud and taking immediate action, PayPal is attempting to recover the funds from me. This transaction was not a legitimate transfer, but the result of deception. I took prompt and reasonable steps to prevent the loss once the fraud was identified. I am requesting that PayPal conduct a formal fraud investigation, remove the negative balance, and cease any collection efforts, as I should not be held financially responsible for funds lost due to fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: OH

Complaint narrative:
I am filing this complaint because the collector has continued collection activity without validating the debt and is now contacting/harassing the guarantor. I submitted a written debt validation request by email on XX/XX/year>, and also mailed the request by certified mail. The certified mail was delivered on XX/XX/year> ( XXXX ). As of today, XX/XX/year>, the collector has not provided any validation, verification, itemization, original creditor information, or documentation showing that the debt is valid or that they have authority to collect it. Despite the pending written dispute and no validation being provided, the collector contacted the guarantor on XX/XX/year> ( screenshot available ). The account is in my name, and I am the person handling the debt, the dispute, and all communications regarding this account. I believe the collector is improperly continuing collection activity and harassing the guarantor instead of responding to my validation request. I am requesting that the collector immediately stop all collection activity until proper validation is provided, stop contacting or harassing the guarantor, communicate with me only in writing, and provide a full written response with documentation validating the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/year> I Applied for a Citi credit card. My application # XXXX was denied because Citi stated there were multiple recent inquiries on my credit report. As a result of the application, Citi also added another hard inquiry to my credit report. My credit score and payment history are excellent according to the reports from the major credit bureaus, and I have maintained strong payment performance across my accounts. Because of this, I was surprised by the denial decision and the additional hard inquiry placed on my report. I attempted to contact Citi customer service on [ DATE ( S ) ] to discuss the application decision and the impact of the inquiry, but I was unable to get clear assistance or resolution. I am requesting that Citi review this matter and provide clarification regarding the credit decision and the hard inquiry associated with my application.

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 2026-05-19 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: MN

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 explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
I am filing a complaint against Carrington Mortgage Services regarding recurring unexplained charges added to my monthly mortgage statements. For several months, Carrington has been charging multiple single items and/or other unexplained fees on my account without providing clear justification or documentation. These charges appear repeatedly every month and significantly increase my mortgage balance/payment obligations. I have requested clarification and a complete loan transaction history, including documentation authorizing these fees, but I remain concerned that these charges may be improper or abusive servicing practices. Specifically, I am requesting : - A full investigation into these recurring charges - Detailed explanations and documentation for every fee assessed - Removal and reimbursement of any improper charges - Correction of any related account or credit reporting errors I believe these repeated unexplained fees may violate federal mortgage servicing rules under RESPA and constitute unfair billing practices. I am requesting CFPB assistance in obtaining a proper response and resolution from Carrington Mortgage Services. I am attaching only some of the mortgage statements showing these charges, as this issue has occurred repeatedly over time. I have previously requested a complete review and full transaction history of my account dating back to when Carrington acquired my loan from XXXXXXXX XXXX but this information has never been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
On XX/XX/year>, I received a notification from my credit monitoring service that Conserve located at XXXX XXXX XXXX XXXX XXXX XXXX, NY, added a collection item to my credit report in the amount of {$4800.00}. I have never received a notice, an opportunity to verify debt, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
On XX/XX/year> i submitted a request to Resurgent requesting an itemization of the alleged debt that i owe to determine its validity, on XX/XX/year> i received an email correspondence stating my request was received and my request will be sent. as of XX/XX/year> the only mail correspondence I've received from Resurgent simply stated that LVNV Funding LLC ( Resurgent ) is collecting on behalf of XXXX XXXX XXXX. I never received my requested itemization of debt but on XXXX XXXX a new collections account was added to my credit report. On XX/XX/year> more than 30 days since i requested an itemization of debt ( debt validation ) LVNV Funding LLC finally sent a copy of itemization of debt in response to the Ohio Attorney General complaint that I filed against them. In their response, my mailing address is not correct, i do not live at XXXX XXXX XXXX XXXX Ohio XXXX per XXXX XXXX, that is a leasing office address. Therefore, validation of debt was never properly received in the 30-day timeframe so again I am requesting this collection agency be removed from all my credit reports due FDCPA regulation 12 CFR 1006.34 not being properly adhered by.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: Mercury Financial Intermediate LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am formally escalating a complaint regarding a disputed transaction tied to merchandise I never received and what I believe was an improper handling of my dispute claim by Mercury Financial. On XX/XX/year>, I placed an order with XXXX XXXX XXXX for a camera. Although the shipment was initially marked as delivered, the XXXX tracking information later reflected that the package had been damaged in transit. I immediately contacted XXXX regarding the issue, and during multiple conversations with their representatives, I was informed that I would be refunded for the undelivered merchandise. Despite these assurances, no refund was ever issued. As a result, I opened a dispute through Mercury Financial and provided all relevant supporting documentation, including : XXXX tracking records showing the package was marked as damaged in transit Communications from the merchant acknowledging the issue Statements from XXXX representatives indicating a refund would be processed Despite this evidence, Mercury Financial ultimately closed the dispute in favor of the merchant. When I later contacted customer service to request the dispute be reopened and reviewed, I was told my evidence was considered OOT ( out of time ), but no clear explanation was provided regarding what that specifically meant, why the evidence was disregarded, or why the case could no longer be reconsidered. To be clear : I never received the merchandise The carriers own tracking system reflects the package was damaged in transit The merchant acknowledged the issue and advised that I would be refunded I provided supporting documentation during the dispute process I am requesting a formal review of this matter and an explanation as to why the dispute was denied despite the documented evidence supporting non-receipt of the goods. I am also requesting that this claim be reevaluated in good faith. Companies involved : XXXX Interactive LLC Mercury Financial I appreciate your time and attention to this matter and look forward to a prompt resolution. Sincerely, XXXX XXXX Claim number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I paid my full Capital One statement balance of {$100.00} on XX/XX/year>, before the due date I believe. A month later, Capital One added a {$2.00} trailing interest charge. This is not a late payment, and I was never delinquent. I contacted Capital One and requested a courtesy adjustment. Multiple representatives and a supervisor told me they had no option to waive the charge, even though this is a standard courtesy adjustment for trailing interest. I then formally disputed the finance charge under the Fair Credit Billing Act. Capital One still refused to investigate or adjust the charge. I am requesting CFPB assistance to resolve this improper handling of a financecharge dispute and prevent negative reporting over {$2.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This debt collector has done unjustifiable 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. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: AR

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to National Credit Adjusters under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to National Credit Adjusters, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: TX

Complaint narrative:
I am filing a formal harassment and deceptive collection complaint against Regional Finance for egregious, ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ), the Telephone Consumer Protection Act ( TCPA ), and Texas Finance CXXXXe XXXX XXXXXXXX. My Regional Finance account is currently enrolled in a debt settlement program with XXXX XXXX and is under active negotiation. Despite Regional Finance being fully aware that they must communicate strictly with my representative, they are engaging in a continuous, malicious campaign of direct telephone harassment to bypass representation. Regional Finance is calling my personal phone line multiple times a week using spoofed local numbers and alternating toll-free lines to bypass device blocks. On XX/XX/year>, an agent named XXXX explicitly left a voicemail stating she was calling from the " Regional Finance corporate office. '' Furthermore, on XX/XX/year> ( at XXXXXXXX XXXX ) and again on XX/XX/year> ( at XXXX XXXX ), Regional Finance deployed an automated robocall dialer using inbound number XXXX to leave identical, pre-recorded messages forcing me to call a completely different number ( XXXX ). Furthermore, after launching automated calls on XX/XX/XXXX and XX/XX/XXXX, Regional Finance dialed my number again on XX/XX/year>, at XXXXXXXX XXXX leaving an automated, cut-off voicemail stating only " Regional finance. '' This constitutes an abusive, daily campaign of continuous telephone harassment. This coordinated campaign using automated, pre-recorded messages and rotating caller IDs constitutes illegal harassment, oppression, and deceptive identification under Texas Finance CXXXXe XXXXXXXX. I demand that Regional Finance immediately cease all direct telephone communication with me and route all files strictly through my debt settlement representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
In XX/XX/year>, I opened a SoFi account and shortly thereafter began experiencing unauthorized activity involving my external XXXX bank account. On XX/XX/year>, an unauthorized online transfer in the amount of {$3000.00} was initiated from my XXXX account to a SoFi account identified as XXXX XXXX ( Transaction # XXXX ). This transfer attempt was unsuccessful. On XX/XX/year>, a second unauthorized online transfer in the amount of {$4800.00} was successfully completed from my XXXX account to a different SoFi account identified as XXXX XXXXXXXX ( Transaction # XXXX ). I immediately filed a fraud claim with XXXX regarding this transaction. Additionally, my credit card accounts were compromised during the same timeframe, raising concerns that my financial information may have been exposed or misused in connection with SoFi-linked accounts. I filed a police report with the XXXXXXXX XXXX XXXXt regarding these incidents ( Report XXXX. XXXX ). On XX/XX/year>, I submitted a formal complaint to SoFi ( XXXX ) requesting an investigation into the recipient accounts, preservation of records, and information regarding how these unauthorized transfers were authorized and processed. I did not receive a response. On XX/XX/year>, I submitted a follow-up request regarding this matter. Despite providing detailed transaction information and reporting confirmed fraudulent activity, I still have not received any response or update from SoFi. I am requesting that SoFi fully investigate the recipient accounts, cooperate with fraud recovery efforts, preserve all relevant records, and provide a written explanation of the actions taken in response to this matter.

Company response to consumer: Closed with explanation