vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Starting XX/XX/year> XXXX XXXX would call yelling my name and scaring me. My heart would instantly start beating fast, I would think something is wrong with my kids or something happened. Then I would say yes and they say do you still live on XXXX XXXX. I was like XXXX XXXX what are you talking about. Is your birthday * * yes it is who is this. Why you haven't paid your kohls capital one bill. I respond who is this. XXXX this is not a debt call this is an old bill we just try to see what's going on. We will never add this bill to your credit report it's too old to add to your credit report. We just want to know how are you going to pay the bill. I told them it has been charged for because kohl 's put that on the credit report at the time. Kohl 's charge is under capital one. The lady argued and yelled. Kept calling me a liar and laughing. Then I hung up and almost everyday since then I've been getting calls. In XXXX they placed this to all three of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am filing a formal complaint against SoFi Bank ( SoFi ) for deceptive promotional practices and failure to honor its advertised XXXX XXXX XXXX terms. I clicked a valid, unique referral link to open a SoFi XXXX account. Per the official SoFi Referral Program Terms and Conditions, a referred member must " Apply and successfully open BOTH a SoFi XXXX AND a SoFi Checkings and Savings account '' and complete a qualifying crypto trade of at least {$50.00} funded from their SoFi Checking/Savings balance within 30 days. I fully completed these requirements : XXXX. I already possessed an active, open, and in good standing SoFi Checking and Savings account at the time of application. XXXX. I successfully established the XXXX account via the referral link on XX/XX/year>. XXXX. I executed a qualifying trade of {$50.00} funded entirely from my SoFi Checking and Savings account balance on XX/XX/year>. Because I already possessed an active checking/savings account, the dual-account criteria ( " BOTH '' ) was fully satisfied the moment the crypto account opened. However, on XX/XX/year>, SoFi customer service denied my and my referrer 's referral bonuses. Representatives claimed that both the Checking/Savings account and the XXXX account XXXX be opened simultaneously at the same time after clicking the referral link. There is absolutely no language in the official terms stating that the Checking and Savings account must be brand new, or that accounts must be opened concurrently at the same time. SoFi 's referral interface failed to disclose that having an existing bank account would impact my eligibility, representing a material omission of the promotional terms during the sign-up process. The terms simply state a user must " open BOTH '' accounts. My account history clearly shows both are open, active, and were utilized precisely as the promotion intended. SoFi is using an unwritten, arbitrary restriction to deny contractually obligated promotional payouts to its customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NM

Complaint narrative:
XXXX erroneously generated charges for an account that was canceled the same day it was opened in XXXX. XXXX has repeatedly acknowledged the error and credited the account, but their automated system continues to sell the phantom balance to third-party collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LendingPoint Holdings LLC
State: GA

Complaint narrative:
I am filing a complaint regarding repeated debt collection attempts related to an alleged LendingPoint account that I dispute and do not acknowledge responsibility for. The account was previously disputed and removed from my XXXX credit report. Despite this, I continue receiving repeated collection calls, voicemails, and text messages from multiple phone numbers associated with XXXX attempting to collect the alleged debt. I have maintained records of : * repeated calls, * voicemails, * text messages, * phone numbers used, * and dispute/deletion records from Experian. I recently sent a formal written dispute and cease-and-desist notice via certified mail requesting : XXXX validation of the alleged debt, XXXX proof of responsibility, XXXX and cessation of all telephone and electronic communications. Despite my dispute, the collection activity has continued and has caused significant distress and harassment. I am requesting that : * all collection communications cease, * the alleged debt be fully validated, * and that no inaccurate information be furnished to any credit reporting agencies. I believe the conduct XXXX violate the FDCPA, FCRA, and TCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: NY

Complaint narrative:
There were two incidences of unauthorized use of my XXXX XXXX debt card on XX/XX/year>. The funds weren't posted until XX/XX/year>. The first unauthorized withdrawal occurred at : A XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY, XXXX, at XXXX and XXXX seconds ( XXXX ) in the amount of XXXX dollars and XXXX cents. The second unauthorized withdrawal occurred at : XXXX XXXX XXXX ATM, XXXX XXXX XXXX, XXXX NY XXXX at XXXX and XXXX seconds ( XXXX ) in the amount of XXXX dollars. The total amount taken from my account, without my authorization totaled, XXXX XXXX and XXXX XXXX. At those times, the bank card was in my possession, I was not, and did not make these withdrawals. I discovered the funds missing on XX/XX/year>, I contacted XXXX XXXX, informed them that my card was skimmed and it was used fraudulently. My account was cancelled and a new card was issued. I requested an inquiry, they did not temporarily restore funds back to my account. New York State law regarding credit cards states that the institution ( Comerica bank ) must restore funds back to my account until the matter is reconciled. They ( Comerica BankXXXX XXXX closed the matter on XX/XX/year> claiming, no error was made. meaning, I made the withdrawals myself, at that time, at two locations. In regards to the specific times of the withdrawals, their assumption was that I could have authorized someone else to make these withdrawals

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On approximately XX/XX/XXXX, a business credit card account was opened with Capital One in my name without my knowledge or authorization. I did not apply for this account, did not authorize anyone to apply for it on my behalf, and never received or used the card. The charges on this account, totaling approximately {$31000.00}, are the result of identity theft. I discovered the fraudulent account on approximately XX/XX/XXXX. Upon discovering it, I filed an Identity Theft Report with the Federal Trade Commission on XX/XX/XXXXXXXX ; my FTC report number is XXXX. I contacted Capital One to report the identity theft a few weeks later. Capital One informed me that it had completed its investigation and concluded the account was not fraudulent. Capital One did not provide me with any documentation supporting this conclusion including the original application, the address, email, or phone number used to open the account, or any signature or verification records. I was also told that once Capital One reached its conclusion, the case could not be reopened. I dispute Capital One 's conclusion. I believe Capital One 's investigation was unreasonable because it did not provide me an opportunity to review the evidence it relied on, and it appears to have verified only that the account exists in its system rather than confirming that I personally opened it. I have provided Capital One with a valid FTC Identity Theft Report, which it is declining to honor. As a result of this fraudulent account, I am now being contacted by a debt collection law firm, XXXX XXXX XXXX, seeking payment on a debt I am not responsible for. This fraudulent account is also appearing on my credit report and is damaging my credit. I am requesting that Capital One : ( 1 ) provide the complete application and all method-of-verification records used to open and verify this account ; ( 2 ) conduct a reasonable reinvestigation of my identity theft claim ; ( 3 ) close the fraudulent account and cease collection activity ; and ( 4 ) remove any reporting of this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
I want a copy of all my statements of my checking, savings and self-direct account sent my address on file! I need to review and cross verify information!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I have notified PORTFOLIO RECOVERY twice to stop contacting me and they continue to harass me. They contact from multiple different numbers. I can provide you a record of how many times they've called me in the last half year. They continue to violate laws and protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
i aming doing this again. i don't know if the other one went through. my daughter on my account took my money from savings. it was XXXX can i get my money back, is this elder abuse? why they let her take it.

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 2026-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX mailed checks in total of {$110000.00} in my brothers and I name via XXXX. The money is part of my mothers estate and a death benefit to us. XXXX made the checks out to XXXX XXXX : me. However, the checks were deposited into JM Morgan chase into some business account. That is all they will tell me. No one knows how the checks got into JP Morgan 's hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: CITIBANK, N.A.
State: OH

Complaint narrative:
After filing Consumer Financial Protection Bureau complaint XXXX on XX/XX/year> I was notified by citi that my {$170.00} conditional credit was now permanent, and that there was nothing else I needed to do. On XX/XX/year> I was notified that my conditional credit of {$260.00} had been reversed. {$260.00} was the original dispute amount, with the merchant shipping a partial order of $ XXXX $ XXXX {$93.00}. citi cites the merchant providing an invoice showing the items disputed as proof of delivery. The reason for the dispute is that I did not recieve the items on the invoice, rather the contents were what I did not order, and were in fact for another customer. Attempts to resolve this issue with the vendor had gone unanswered, thus the dispute filed with citi. The scan of the invoice in the shipment, as well as photo of the invoice with package contents clearly show that I did not obtain the items that I ordered and the vendor has made an error. I can not understand why citi sides with the vendor and need assistance with a permanent resolution to this 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 monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.

Complaint narrative:
Dear Sir, I am a XXXX XXXX and have a dormant account with Citibank who have to release my documents to me such as searches, and history of my records, I had applied to XXXX court for an Order, my hearing has been adjourned lack of information. I have already posted all the information to your offices in Washington DC. Can you please confirm the tel no. And email that I can contact your goodselves. This is urgent request and need your support. Kind regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: CA

Complaint narrative:
XXXXBANK OF AMERICA MAILS ME MAIL .SAYING THAT THE ACCOUNT LAST FOUR XXXX XXXX XXXX XXXX .CFPB CASE NUMBER XXXX.THE BANK PASSED THE CLOSED ACCOUNT XXXX TO CREDIT CONTROL LLC.SOMEWHERE IN THE STATE OF XXXX UNITED STATES OF AMERICA.THE BANK ENDED MY TWENTY YEAR BANKING RELATIONSHIP.THEY PAY ALMOST NOTHING IN CHECKING ACCOUNT INTEREST .I CONTINUE TO MONITOR US MAIL DAILY .'

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 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I previously disputed this account because it does not belong to me, yet the company re-inserted the collection on my credit file. Furthermore, when I contacted the collection agency to request debt validation and documentation, their representative became highly hostile, shouting and refusing to cooperate or pull the records directly from the property management. They are currently reporting an invalid debt that violates the terms of a mutually signed release contract, causing severe and unfair damage to my credit score. This situation is causing me severe emotional distress and anxiety. I am currently continuing with my psychological therapy to heal from past trauma, and this unfair financial harassment and uncooperative behavior from the collection agency is actively taking a toll on my mental health and well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Property ID : XXXX Tax Office ID : XXXX Address : XXXX XXXX XXXX XXXX XXXX, Tx XXXX We have been paying into our escrow account since XXXX without fail and have never been late or short and XXXX XXXX has been paying our taxes and insurance. In XXXX XXXX XXXX sold the mortgage to PNC. In late XXXX, we received a significant refund on our escrow. We started investigating just how much taxes were paid and why we were getting the refund and discovered that there were 2 accounts for the above property account # XXXX showed to be zero and paid in full and account # XXXX delinquent with no taxes paid. We immediately went to the assessors office offering to pay ; explaining the problem and requested the penalties and interest removed. On XX/XX/XXXX we contacted PNC to find out the issue and they were unable to tell us but said they would investigate. After no response from PNC on XX/XX/XXXX we paid the taxes ( minus the penalties and interest ) in full. Once again contacting PNC and they stated they were still investigating the matter. On XX/XX/XXXX we contacted PNC again and they confirmed they were at fault and they would pay the penalties and interest. We were also instructed to send an email to XXXX which we promptly did on XX/XX/XXXX. To this date XX/XX/XXXX, no payment for penalties and interest have been made from PNC to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
On XX/XX/year> at XXXX I called trying to resolve a debt that has been affecting my XXXX XXXX, and withholding me from finding a future apartment that is also not accurate from the previous renters that I moved out from. I was looking for guidance and help in the matter. An employee named XXXX from IQ data international answered once i was connected. I knew immediately by her tone she was not going to be helpful. I was ridiculed and yelled at for simply asking questions and advice on how to dispute the false charges, then repeatedly hung up on. I finally was able to call back and asked to speak to a XXXX. A supervisor picked up and I recieved the same abrasive treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: PA

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, I'm 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 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am filing this complaint because Equifax is reporting a collection account on my credit report that does not belong to me. I do not owe this debt, I do not recognize this account, and I believe it may be fraudulent or the result of identity theft. I already disputed this collection account with Equifax. My dispute confirmation number is XXXX. However, the collection account remains on my credit report and has seriously damaged my credit. I have also tried many times to contact the collection agency directly by phone and email, but no one has answered or responded. Based on my attempts to verify the company, I have serious concerns that the agency may not be legitimate. When I reviewed the companys website, it appeared that someone may be able to report a debt without providing proper supporting paperwork or verification. This is very concerning because I have provided my Social Security number to third parties in the past, and I highly suspect that my personal information may have been misused. Equifax is reporting a collection account that I do not recognize and that has not been properly verified. I request that Equifax immediately reinvestigate this account, require the debt collector to provide valid documentation proving that the debt belongs to me, and remove the collection account from my credit report if it can not be fully verified. Because I do not owe this debt and believe it may be fraudulent, I request that the collection account be deleted from my Equifax credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc.
State: VA

Complaint narrative:
I have an account with XXXX and it auto renewed without my consent. The credit card I had on file was canceled due to fraud and they turned me over to their collections agency Southwest Recover Services XXXX XXXX XXXX # XXXX, XXXX, TX XXXX phone XXXX. I phoned them to try and resolve the issue and they could not provide a valid way of taking my payment. None of their links would accept cards and gave me system and fraud error warnings and they could not provide another method for clearing my account and told me they would take out a judgement against me if I didn't pay. How am I supposed to pay???? The also wanted all my personal information include my SS # and DOB which I didn't feel comfortable providing. I asked to speak to someone who could resolve the issue and they said they can send it over to another team who would reach out. I called mutiple times and got the same answer. How can I resolve if I can not pay it?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I purchased product from XXXX through Paypal. Package was supposed to be received XX/XX/year>. I never received the package and to today XXXX XXXX I still have not received or located the package. I tried to get seller to refund, waited over XXXX hours as instructed, escalated to Paypal. I have been denied 4 times since XX/XX/XXXX with NO CAUSE, just tracking number. I submitted police report, stolen mail report, my apartment posted signage about package delivery. There is no PROOF of delivery no signature or photo, so they are just refusing to believe I didn't receive what I paid for. It is theft of my money and they have lied about settlement date, went over allotted time for seller to respond and continued to close in seller 's favor. I contacted XX/XX/XXXX to appeal the XXXX time and nothing was even updated to my account! I am ready and willing to file small claims.

Company response to consumer: Closed with explanation