vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I am filing this complaint against PNC Bank for gross negligence and wrongful blacklisting resulting from identity theft ( Case XX/XX/XXXXXXXX ). 1. Unfounded Blacklisting : PNC has blacklisted me and my company ( XXXX XXXX ) for " excessive fraud, '' yet I have NEVER opened or owned an account with PNC. They have provided XXXX evidence of the alleged fraudulent transactions or the movement of any " fraudulent funds. '' PNC is holding my business reputation XXXX without due process. 2. Specific Professional Negligence and Procedural Failures : Refusal of Transparency : On XX/XX/year>, the PNC Branch Manager intentionally withheld a case number and refused to accept any paper evidence I provided, effectively obstructing the initiation of my identity theft claim. Contradictory Communication Policy : The assigned investigator, XXXX XXXX, maintains a contradictory and obstructive policy : she refuses to send emails citing " security, '' yet demands I transmit sensitive company documents through the same " unsecured '' email. This is a clear attempt to avoid a written record of her requests and findings. Obstructive " Piece-meal '' Tactics : The investigator explicitly admitted that PNC lacks a standard document checklist for identity theft. This leads to an inefficient, " piece-meal '' investigation where information is requested one by one, intentionally prolonging the investigation and my businesss financial distress. Bad-Faith Scheduling : I provided a specific 1-hour availability window (XX/XX/XXXX) to accommodate both parties. The investigator has consistently ignored this, calling at XXXXXX/XX/XXXXand other unauthorized times, then leaving voicemails to create a false record of " failed contact, '' while simultaneously ignoring my multiple callback attempts and emails. 3. Direct Economic Harm : PNCs baseless fraud claim has caused my company to be blacklisted by payment processors ( e.g., Payment Cloud ), directly preventing me from accepting business payments and causing ongoing financial loss. Desired Resolution : I demand that PNC : 1. Immediately clear my name and my company 's name from their internal blacklist and all external reporting agencies ( ChexSystems/EWS ). 2. Provide a secure portal for document submission. 3. Provide a formal letter to help clear my record with Payment Cloud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
They refunded 3 unathorized transactions on XX/XX/XXXX and then reversed the {$180.00} charge on XX/XX/XXXX. Putting me in the negative, freezing my account, and contradicting XXXXPayPal 's previous resolution, statements, and CFPB response . " Company responded on XX/XX/XXXX Response Type Closed with monetary relief Company 's Response On XX/XX/XXXX, you activated your XXXX XXXX ( " XXXX XXXX '' ) to be used for purchases and withdrawals. On XX/XX/XXXX, three ATM withdrawals in the amounts of {$180.00}, with a {$2.00} fee, {$200.00}, with a fee of {$2.00}, and {$160.00}, with a fee of {$2.00}, totaling {$550.00} were authorized through a XXXX store ATM using your XXXX Card, which was funded using your XXXX balance. On the same day, you contacted XXXX and reported the withdrawals were unauthorized. This prompted XXXX to initiate an investigation of your claim. On XX/XX/XXXX, XXXX closed the claim without refund because it was confirmed that funds were received in your XXXX account and were withdrawn soon after being made available, indicating that the person withdrawing the funds had access to your XXXX account balance information. Upon review of your complaint, we completed a subsequent review of your XXXX account on XX/XX/XXXX, and determined our decision to deny your claim was made in error. While our claim process is generally fair and accurate, it is not infallible, and sometimes a claim is not ruled correctly the first time. That is why we have an appeal process where we can gather more information, if needed, so we can make sure the correct decision is reached. Accordingly, we have accepted your claim and credited your XXXX account for the three withdrawals, and we have reversed the fees. Totaling {$550.00} on XX/XX/XXXX. We sincerely apologize for the length of time it has taken for your claim to be resolved and appreciate your patience. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: KS

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — USDA 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: FL

Complaint narrative:
This is a formal update to my existing complaint. The issues previously reported remain unresolved. The servicer has provided responses that contain inconsistencies in the loss mitigation timeline, including conflicting statements regarding when my application was submitted, marked complete, and denied. I was informed that my application was complete and was later denied for missing documents without being provided a clear written opportunity to cure. Additionally, the amount being used to support foreclosure remains inconsistent across the servicers own records, including the final judgment, payoff statements, and account summaries. There are also charges includedsuch as debris removal, inspection fees, and legal feesthat have not been supported with documentation or proof of service. Due to the urgency of this matter, I have filed an Emergency Motion to Stay the Foreclosure Sale scheduled for XX/XX/year>. This matter remains in dispute, and foreclosure is proceeding despite unresolved servicing and accounting issues. I am requesting that this complaint be reviewed in light of these ongoing discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: KS

Complaint narrative:
I clicked on a XXXX ad for a projector that looked like a good deal and proceeded to put my debit card info in for an order. Over the course of the next several hours, my card was used to buy {$1300.00} of product from " XXXX '' and " XXXXXXXX XXXX XXXX '' that I did not approve. I proceeded to call my bank gave them the info and several days later they said nothing was wrong and the charges stood.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was unable to access my online account with JPMorgan Chase due to a login/access issue, which prevented me from making my scheduled payment on time. As a result, the payment was marked late. After resolving the access issue and contacting Chase, they acknowledged the situation and reversed all late fees associated with the account. However, despite acknowledging the access issue and reversing the late fees, Chase continues to report the payment as late to XXXX XXXX XXXX XXXX I previously disputed this information with the credit bureaus, but the reporting was verified and not corrected. I also contacted Chase directly and requested correction of the reporting, but the late payment remains on my credit report. Given that the account access issue prevented payment and Chase reversed the associated fees, I believe the reporting of a late payment is inaccurate and misleading. I am requesting that Chase correct the account status to paid as agreed or remove the late payment from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt you claim I owe. This letter serves as a formal request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under federal law, I request that you provide proper validation of this debt, including : The name and address of the original creditor ; The account number associated with the alleged debt ; The amount of the alleged debt, including an itemization of any interest, fees, or charges ; Copies of any documents bearing my signature showing I agreed to assume this debt ; Proof that your company is legally authorized to collect on this debt ; Proof that the debt is within the applicable statute of limitations ; and A complete payment history on the account, including the date of default. Pursuant to 15 U.S.C. 1692g ( b ), you must cease collection efforts on this account until you provide the requested validation. This includes reporting the debt to any consumer reporting agency without noting the debt is disputed. If you fail to provide proper validation, I request that you immediately cease all collection activity and remove any negative reporting related to this account from my credit file. Please note that this letter is not a refusal to pay, but a notice that I dispute the alleged debt and request validation. I reserve all rights under federal and state law. Please respond in writing to the address listed above. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for predatory billing practices and failure to correctly apply loan payments. Despite consistent payments, my principal balance has remained frozen, indicating a serious accounting failure. Description of Issue : Between XX/XX/year> and XX/XX/year>, I made payments totaling {$1300.00} ( including individual payments of {$470.00}, {$470.00}, {$200.00}, and {$200.00} ). My principal balance has remained stagnant at {$16000.00}. The company is applying 100 % of these large payments toward interest, which is mathematically impossible for a loan of this size. Violations Observed :. Inaccurate Accounting : {$0.00} applied to principal despite paying over {$1300.00} in XXXX weeks. . Conflicting Data : The company provides three different " Amount Due '' figures ( {$1300.00}, {$910.00}, and {$190.00} ) across their online portal and statements. . Excessive Fees : Fees jumped to {$190.00} without any itemized explanation. . Missing Payment Credit : Their dashboard fails to recognize a {$200.00} payment made on XX/XX/year>. I have attempted to resolve this with the creditor, but the discrepancies remain. I request that the CFPB investigate XXXX XXXX for failing to properly amortize this loan and for providing deceptive billing information. Desired Resolution : I seek a full audit, manual reallocation of all recent payments to the principal balance, and a complete removal of unjustified fees. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: COMMERCE BANK
State: MO

Complaint narrative:
XXXX XXXX commerce bank closed my spending card account had a balance of {$460.00}. I was told a check would be mailed. XX/XX/year> I called and was told a check was mailed XX/XX/year> but it was not received on my end. The agent said I would receive a callback the money would be placed in my other checking account or I would receive a check but she would personally call me back. Today is XXXX and I hadnt heard from her. I called again spoke with 2 other employees plus a branch manager who couldnt help me. Theyve been unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing a complaint against several debt collection agencies for potential violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies failed to provide sufficient documentation proving I am legally responsible for these accounts. This includes the absence of key records such as original contracts, ownership history, account statements, or proof of their authority to collect. Despite the lack of verification, collection activity and credit reporting may have continued. This raises concerns under the Fair Debt Collection Practices Act ( FDCPA ), including failure to validate debts and possible use of unfair or misleading practices, as well as under the Fair Credit Reporting Act ( FCRA ), particularly regarding accuracy and proper investigation of disputed information. Overall, this conduct suggests the possibility of continued collection and reporting of unverified information, which may indicate noncompliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I Initiated a series of wire transfers totaling approximately {$42000.00} to a third party. At the time, I believed these transactions were legitimate based on representations made to me that I now understand to be false. After realizing I had been misled, I immediately contacted my bank to report the situation and request assistance. I asked for a review of the transactions, details of my investigation, and an explanation of why these transfers were not identified or flagged as potentially suspicious. The bank has not provided a meaningful investigation regarding these transactions. I have not received clear documentation of how the determination was made nor have I been informed of any safeguards that were in place to prevent this type of loss. Given the size and natures of these transfers, I am concerned that appropriate fraud detection measures and customers protections may not have been adequately applied. I am requesting : A full review of the transitions and any potential recovery options. A detailed explanation of the bank 's investigation and findings. Clarification of any alerts, flags, or internal reviews triggered by these transactions Information on what protection are in place to prevent similar incidents. I am seeking accountability and assistance in resolving this matter. I wired money thru XXXX, and also used XXXX XXXX XXXX XXXX XXXX wire services. Between XX/XX/year> and XX/XX/year> I wired approximately {$42000.00}.

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 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I submitted a {$2000.00} money order payment to Citibank in good faith ; however, only {$1000.00} was credited to my account. The remaining {$1000.00} has not been cashed, which was confirmed by the post office after I paid a {$20.00} tracing fee. As a result of this payment handling issue, I was charged interest ( {$47.00} and {$21.00} ). This was not due to a late or missed payment, but due to a processing or delivery issue beyond my control. I have contacted Citibank multiple times and requested a manual review and goodwill adjustment, but my request was denied, citing system limitations. Given that I made a full payment attempt and incurred additional costs to trace the missing funds, I am requesting a review of this matter and a reversal of the 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 2026-05-04 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am disputing a {$310.00} charge from XXXX XXXX ( Rental XXXX [ Number ] ). I have provided American Express with written proof from the merchant 's own billing department admitting the charge was an error and that a refund is owed. American Express is failing to protect me as a consumer by repeatedly closing the dispute based on the original ( incorrect ) contract, while ignoring the merchant 's subsequent formal admission of error. I am requesting that American Express fulfill its duty to investigate the actual facts provided and credit my account based on the merchant 's written admission of liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: AR

Complaint narrative:
On XX/XX/year>, I entered an agreement with XXXX XXXX XXXX XXXX GoodLeap. XXXX XXXX is now in debunked, leaving no viable installer or service warranty fulfillment or corrective action actions. They represented that I would get government refunds through tax incentives and significantly offset the cost of the system which solar tax credits are nonrefundable and do not provide any financial benefit represented. The system has failed to perform as represented. My monthly payment is XXXX a month and even with my utilities on levelized billing XXXX paying {$100.00} a month monthly which is totaling approximately {$390.00} a month please see attachment of most recent bill of utilities. The financial burning is inconsistent with representation made during the sales process and demonstrates failure to deliver contracted value. XXXX also installed the solar system on a bad roof, then took almost a year to remove the solar system. So that the roof can be repaired and it was over a year before I could even use my solar system at all having to pay double for a couple of months bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: FL

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation