vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 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: FL

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: ID

Complaint narrative:
An unauthorized transfer of {$5000.00} from credit card to checking account was made on XXXX XXXX, 2026. The next day we contacted Mountain America Credit Union because XXXX payments had been taken from our checking account : {$4900.00}, {$4800.00}, and {$4900.00} from savings. We talked to XXXX XXXX who submitted a fraud report. On XX/XX/XXXX, we received a refund of {$4900.00} ( from XXXX XXXX XXXX XXXX ) which we used to pay off the credit card bill. We checked several times and were given updates. On XXXX XXXX, 2026, when we checked back, we were told that the case was closed ; we had no recourse, because the IP address was from my laptop computer. We did file an appeal with XXXX XXXX at that time. The police report is XXXX with XXXX XXXX. The FTC report number is XXXX. We were told that the bank had tried to contact us to verify the withdrawals, but there was no evidence on the phone that the calls were made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute the {$7200.00} balance currently being claimed on the above-referenced auto loan account. The vehicle associated with this accounta XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX declared a total loss on XX/XX/XXXX in XXXXXXXX XXXX Because the vehicle was fully totaled, I no longer possess the vehicle and have not had use or benefit of it since the loss date. I am requesting the following : 1. Confirmation that Toyota Motor Credit Corporation received payment from my insurance company for the total loss. 2. A detailed accounting showing how the current claimed balance of {$7200.00} was calculated. 3. A review and correction of the outstanding balance if the payoff was incorrectly processed, misapplied, or not updated after insurance settlement. 4. Suspension of collection activity while this dispute is investigated and resolved. Please update your records to reflect that the vehicle is no longer in my possession and has not been since the total-loss date listed above. I also request written confirmation once the balance dispute review has been completed. Thank you for your prompt attention to this matter. I expect your written response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I'm requesting the 1099 C for the debit. Per the collection status debit was charged off. When the debit is charged off the collector received a tax break on the debt. I'm requesting the copy of the 1099C. I am allowing thirty days for resolution if not I will sue for statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have had a very disappointing experience with Capital One Shopping, owned by Capital One. Capital One Shopping is a rewards portal that promises rewards to customers ( redeemable in the form of gift cards ) for purchases with featured merchants through their portal. When you make an eligible purchase through XXXX of their featured merchant links, the retailer pays Capital One a referral commission or a percentage of the sale. Capital One takes a portion of these affiliate commissions as profit and shares the remainder with users in the form of rewards, which you can redeem for gift cards. I have completed a fair amount of purchases and recently Capital One Shopping has terminated my account on XX/XX/year> and refuses to reinstate it or give an explanation as to why it is terminated. I asked for a manual investigation into my account on XX/XX/year> & XX/XX/year> and what activity has violated terms as I have been using the account honestly and without any fraudulent intentions. I explained to them that I have been doing a major home renovation for the last year and have made several online purchases through their portal with honest intentions. They are giving no specific reason for termination and are communicating to me via email that they do not have to cite a reason. I am deeply upset because I have completed a few purchases on my account that I will not be able to redeem rewards on because of my account being terminated. XXXX was 48 % off a $ XXXX purchase at XXXX and another {$440.00} rewards for a new XXXX XXXX XXXX signup. These are significant dollar amount purchases that Capital One Shopping made a commission on as a result of my purchase and are refusing to pay me rewards. This is incredibly frustrating for someone who made an honest purchase in hopes of receiving rewards and is only left with a feeling of being taken advantage of. I only made the purchase because I was factoring in the attractive discount. I would return the items, but it has been past the merchants return policy - not to mention the major uplift to remove an installed appliance months after it has been ordered and received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair CreditC Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PENNYMAC LOAN SERVICES, LLC.
State: IA

Complaint narrative:
b'I voice googled call Penny Mac morgage, the person said he could change my date of withdrawal for my monthly payment. I gave my SS# AND he said he had to have my debit card number , which I gave. Then he asked for my checking account # and I told him they have that that I wanted only to change the date. I had a sick feeling and hung up. His # he called from was XXXX.\nAfter calling the real penny Mac they said they would never ask for my SS#. SO I Am feeling sick!!!\nPlease make a report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Dear Midland Credit Management, I am writing regarding an account that your company claims I owe. Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt and supporting documentation. Please provide the following information and documents : XXXX XXXX XXXX copy of the original signed agreement or contract between myself and the original creditor that created the alleged debt. Debt Validation Documentation that verifies the debt is valid and that Midland Credit Management has the legal right to collect it. Chain of Ownership Complete documentation showing the chain of ownership of the alleged debt, including all assignments or transfers from the original creditor to your company. Account Details A full accounting of the alleged debt, including the original balance, itemized charges, interest, fees, payments, and the current amount claimed to be owed. Creditor Information The name, address, and contact information of the original creditor and any subsequent owners of the debt. Until such documentation is provided, please consider this a formal request to cease collection activities related to this account. I also request that all future communication regarding this matter be conducted in writing. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
So Rocket Mortgage bought my previous bank about a year ago and it seems that when I was making payments to them, they never applied the escrow payments to pay for my property taxes so I was getting charged penalties and interest from XXXX XXXX XXXX XXXX XXXX XXXX and they had never let me know that they werent paying my taxes when I call them a few months ago after I received the Collections notice they were holding my money in escrow and would not release the money. I told them I needed that money to pay my property taxes, but they held onto it. This was several weeks ago approximately XXXX XXXX XXXX XXXX, and they said they were looking into sending me back the money. I called back yesterday on XX/XX/year> after speaking with XXXX to XXXX people and spent over an hour on the line with several representatives, they said they will not release the escrow funds to me. Im asking for them to please release the funds and compensate me for the interest payments and penalties that I have incurred from XXXX XXXX XXXX XXXX XXXX cant understand their logic of holding close to {$34000.00} in escrow for property taxes, not pay it, but still feel that they need to hold on to that money. Makes no sense. Please do what you can do to help me ; I need that money. Please dont let them get away with this. I called them yesterday and they just gave me the run around I spent over an hour on the phone and spoke with XXXX different people and got XXXX answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
I had loans with XXXX for years. They took advantage of me with interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I was not given information about my loans in regard to what to do when I was unemployed. They created a hardship for me and did not care. I almost went bankrupt and I tried to commit XXXX as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: OH

Complaint narrative:
Beginning in XXXX and continuing through XX/XX/XXXX, my servicer XXXX systematically placed my four federal FFELP student loans into forbearance repeatedly instead of enrolling me in income-driven repayment plans for which I qualified as a low-income single parent. This forbearance cycling continued for 14 consecutive years across all four loans simultaneously confirming systematic servicer conduct, not borrower-initiated forbearance. The documented forbearance periods span from XX/XX/XXXX through XXXX XXXX 18 separate forbearance placements across 14 years. At no point did XXXX inform me of my eligibility for income-driven repayment, offer to enroll me, or explain that forbearance was causing my balance to grow unnecessarily. As a direct result my loan balances grew from approximately {$14000.00} originally disbursed to approximately {$43000.00} an increase of approximately {$29000.00} in unnecessary interest. My loans defaulted XX/XX/XXXX. My federal financial aid eligibility was blocked preventing me from returning to school. This conduct is identical to what CFPB documented and litigated in CFPB v. XXXX Case No. XXXX resulting in a {$120.00} XXXX settlement in XX/XX/XXXX and XXXX permanent ban from federal student loan servicing. Full documentation attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I was co-signing a XXXX auto loan for my son. The advertised lowest rate is XXXX. My 3 credit scores are in the XXXX, I have been with usaa for 35 years, my income is XXXX XXXX a year, and my debt/earning ratio is low. After 4 days where they obtained my credit scores, tax returns for XXXX and XXXX, proof of electronic filing for both years, and even inexplicably the tax returns for my S corporation, they said I did not qualify for the lowest rate, but coukd get a loan for apoint higher. When I asked how this could be, they said that their algorithm is not public. When I said that it would be highly unlikely that given the information given to them I would not qualify for the lowest rate, they changed and said that it was only for new cars, but they acknowledged that this information is not listed on their website. I consider this fraudulent.

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 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , the Experian 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. This fraudulent, inaccurate, and false information consists of the following items : Fraudulent late payment on Mortgage loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX And the hard inquires : XX/XX/XXXX XXXXXXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Equifax XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2026-06-09 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: CA

Complaint narrative:
XX/XX/XXXX, XXXX I made a purchase through PayPal for {$650.00}. XX/XX/XXXX, XXXX I filled a dispute through PayPal for not receiving the order items. XX/XX/XXXX, XXXX Seller provided PayPal with fake tracking information. XX/XX/XXXX, XXXX Initial date provided by PayPal for resolving the dispute. XX/XX/XXXX, XXXX I called PayPal to inquire about status and was told the dispute would be resolved by the end of the day. Resolution date on the website was adjusted to XX/XX/year>. XX/XX/XXXX, XXXX I called PayPal due to the dispute not being resolved as stated by the agent on XX/XX/year>. I was told to continue waiting, date for resolution was adjusted to XX/XX/year>. I requested a manager, and was ultimately hung up on before the manager was connected. I called back and was told a manager would call within XXXX hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , the Experian 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. This fraudulent, inaccurate, and false information consists of the following items : Fraudulent late payment on Mortgage loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX And the hard inquires : XX/XX/XXXX XXXXXXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Equifax XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: MS

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: MD

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