vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
I am filing this high-priority regulatory complaint against Ally Financial regarding severe statutory, data-integrity, and XXXX formatting violations on Account Number [ Insert Account Number ] [ 15 U.S.C. 1681s-2 ]. Ally Financial permanently repossessed and liquidated the underlying physical collateral for this used auto vehicle loan. However, their database scripts continue to report a static, un-adjusted deficiency balance of {$9400.00} as an active past-due obligation on my public credit file, while simultaneously marking the row status as 'Closed ' [ 15 U.S.C. 1681s-2 ]. This constitutes a severe, uncompliant XXXX formatting contradiction. Furthermore, I was completely denied my statutory rights under Oregon 's XXXX XXXX XXXX. Pursuant to XXXX XXXX, a secured creditor is strictly legally prohibited from assessing, collecting, or reporting a post-liquidation deficiency balance unless they transmit a mandatory, written Post-Repossession Notice of Sale detailing the exact date, time, and disposition of the collateral via certified mail. No such notification was ever generated or received. Under Oregon law, this notification failure completely bars Ally Financial from claiming any deficiency liability. I demand that your compliance department immediately upload the original certified mail receipt and a copy of the statutory Post-Repossession Notice of Sale explicitly linked to this file under penalty of 15 U.S.C. 1681s-2 ( b ). If your legal desk can not locate and upload this mandatory verification media before your strict XXXX regulatory countdown timer hits zero, your automated risk systems must execute an immediate Global Permanent Deletion, hardcode all system ledger balances to a permanent {$0.00} closed status, and purge this toxic row from my public history for free. Bypassing this mandate will log an intentional charge of Willful Non-Compliance under 15 U.S.C. 1681n, opening your corporate checkbook to a guaranteed civil lawsuit in the XXXX XXXX XXXX for XXXX XXXX XXXX Oregon [ 15 U.S.C. 1681n ].

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 2026-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
Property taxes were rolled into escrow account during origination of loan. Taxes were due in XXXX of XXXX. Somehow the billing statement never made it to the mortgage company. XX/XX/XXXX of XXXX I received a delinquent tax notice which I forwarded to mortgage company via the Mortgage XXXX via their app. XX/XX/XXXX I also called and talked with customer service and explained the situation. I was told to give them XXXX business days to resolve. XX/XX/XXXX the base amount was withdrawn from my escrow account as mortgage company agreed to cover the late fees. XX/XX/XXXX was the last day XXXX XXXX office would accept payment as on XX/XX/XXXX an additional fee would be added. XX/XX/XXXX the payment arrived XXXX XXXX office via mail, as this was after XX/XX/XXXX, XXXX XXXX office returned the payment on XX/XX/XXXX with an explanation letter regarding the additional fees added, the new balance and instructions on where to resubmit payment. XX/XX/XXXX, mortgage company deposits the returned payment to my escrow account and claims they are waiting for a response XXXX XXXX office. I XXXX XXXX office by phone XX/XX/XXXX and the last note they have for the account is the returned payment with explanation letter mentioned above. XX/XX/XXXX will mark 6 months this payment is overdue. XXXX just trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc
State: WA

Complaint narrative:
I requested validation of this debt under the FDCPA. It has been over XXXX days with no response. They are continuing to report an unvalidated debt. I vacated due to domestic violence under California Civil Code 1946.7 and was never notified of any balance. I am requesting deletion of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 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:
This complaint is NOT related to a credit reporting agency ( CRA ) or credit report issue. This complaint concerns PayPal 's handling of a government impersonation scam and a coerced/extortion-induced transaction. I was manipulated, threatened and psychologically pressured into sending money through PayPal as part of a government impersonation scam. The payment was made under duress and fear created by scammers. After discovering the fraud, I immediately : Reported the incident to PayPal Filed a complaint with FBI IC3 Filed a local police report. I repeatedly informed PayPal representatives that this was a coerced transaction under duress related to scam/extortion activity. I specifically explained that I had been manipulated and pressured into sending the payment. The representatives acknowledged understanding the situation, but still stated that because I personally completed the transaction, PayPal consider it a " normal '' or " authorized '' transaction and therefore could not help. PayPal continued to incorrectly classify the issue only as an " unauthorized transaction '' matter while ignoring the coercion, scam manipulation, and government impersonation aspects of the case. I also informed PayPal that the recipient was likely connected to the scam activity or acting as an accomplice/participant. However, PayPal only stated that they would " monitor the account '' instead of taking meaningful action regarding the fraudulent transaction or consumer protection concerns. Despite willingness to provide evidences ( FBI file, local police report case number ) and repeatedly explaining the scam circumstances, PayPal agents didn't request these evidences. They transferred me between multiple representatives without meaningful assistance. I believe PayPal failed to conduct a fair and adequate review of the cases. Additionally, PayPal representatives informed me during a call and via e-mail that I could appeal or reopen the case, but the system stated that the case had already been permanently closed and could not be appealed. This caused additional confusion, delay and distress. XXXX XXXX Transaction amount : {$740.00} Transaction date : XX/XX/year> XXXX case number : XXXX XXXX XXXX Transaction amount : {$1200.00} Transaction date : XX/XX/year> XXXX case number : XXXXXXXX XXXX XXXX Transaction amount : {$3700.00} Transaction date : XX/XX/year> XXXX case number : XXXX For all cases : FBI XXXX number ( submission ID ) XXXX XXXX Local police department case number : XXXX I request XXXX XXXX. Executive-level review of these cases XXXX. Reconsideration of reimbursement/refund eligibility XXXX. A Written explanation of why evidence of coercion, duress, and government impersonation fraud was disregarded XXXX Review of PayPal 's handling of scam/extortion-related transactions and consumer protection procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: Portfolio Recovery Associates, LLC
State: NY

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. This is a very stressful situation and I feel so violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One 's automated mailing system has entered an infinite technical loop. Over the past several months, I have received a massive amount of identical, duplicate paper copies of a notice stating " we changed your address. '' I am stating " over 30 '' to be completely safe and conservative with my estimate, but I believe the actual number of duplicate letters is way higher and has been going on for much longer. My address on my online profile is completely correct, and I have been managing my accounts digitally with paperless preferences since all of XXXX. This is a severe back-end system error affecting both of my accounts : a Spark XXXX Business card ( ending in XXXX ) and a Quicksilver card ( ending in XXXX ). As a matter of fact, I explicitly opted for paperless to stop receiving mail to this address to protect my data and prevent mail buildup in case I move. Capital One 's malfunctioning system completely undermines that security choice. I have already called Capital One customer service to get this resolved, but to no avail. The front-line agents are unable to clear the automated print batch queue triggering these mailings. Receiving this endless stream of the exact same notification is a massive waste of physical resources and raises data privacy and physical mail security concerns. I need this escalated to a systems administrator or technical operations manager who can manually clear my profile from this stuck mail loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: V and H Portfolio
State: WA

Complaint narrative:
They call nonstop at the worst hours, speak in a cold or mocking tone, and act like fear is their main tool. Instead of helping someone find a realistic solution, they pressure, threaten, interrupt, and make people feel trapped or ashamed. They might twist the truth, exaggerate consequences, or treat every conversation like intimidation instead of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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 ) thatDispute2025 $ 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 2026-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of Americas automated support/chat system appears to create an accessibility barrier for deaf or hard-of-hearing users. During an attempt to dispute a transaction through chat, the bot repeatedly insisted that the user call by phone. When the user explicitly asked what happens if they are deaf or otherwise unable to use a phone and requested a written/chat-based alternative, the system immediately terminated the interaction with the message : Were sorry, but we can not complete your request at this time. This behavior effectively denies access to support services after a disability-related accessibility concern is raised, rather than providing an equivalent accessible communication method.

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 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: K. HOVNANIAN AMERICAN MORTGAGE, LLC
State: HI

Complaint narrative:
Last week, I provided the lender with all six items required under XXXX to constitute an application : My name My income My Social Security Number ( for credit ) The property address The estimated property value The loan amount requested Once a lender has these six items, they are required to issue a Loan Estimate within 3 business days. However, the loan officer repeatedly told me that he can not provide an LE until I am under contract to purchase the home. He stated that an accepted purchase contract is required before they can issue the disclosure. This is incorrect and creates an unlawful barrier to receiving the Loan Estimate. XXXX does not require a signed purchase contract, nor does it allow a lender to impose additional conditions or require the consumer to commit to the transaction before issuing the LE. I am requesting that the CFPB investigate this lenders refusal to comply with XXXX disclosure requirements and ensure they follow federal regulations. Their actions prevented me from receiving the required disclosures and from being able to properly shop for a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
JP Morgan chase, said for me to file a identity theft claim with them and so I can open a legitimate account, in my name which now theyre saying nothing cant be reversed after I just got off the phone with the identity theft people for chase and now theyre saying its final after they told me I was good

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OK

Complaint narrative:
Well what keeps happening is that everytime I pay my bill. It says it got the payment and it takes the money from my chime. Then a few days later it says missed payment. Then it charges my account XXXX more dollars on top of the payment they already took from me. They do a payment reversal and then they do a missed payment fee. Last month they did it twice in XXXX month. They debted my account XXXX dollars for a payment they didnt try to make or they didnt try to charge my account I dont know whats happening. I called them the first time this happened months ago and he blamed it on autopay saying I shouldnt have autopay on and thats not what it was. Because I took it off ever since then still the same thing. He was saying its because I have autopay on but Im making manual payments. It just does it everytime I make a manual payment. So last time they took it off my account and said that was the only time they would do that favor. It keeps happening even though they take my money and I have proof this happens

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX auto I dont recognize the following account in question. Im a victim of identity theft and I dont recognize this account on my report. Im requesting the following information be deleted from my Consumer report immediately!

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 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: AXOS FINANCIAL, INC.
State: MD

Complaint narrative:
XXXX of 2022 my card got repoed instead of XXXX XXXX putting it down as that they making on my credit as a late payment every month and it is taking a toll on my credit I have reached out on many occasions to see if a payment plan could be place and they can give me no information just my account is and have been closed since 2022 that's all the information they can give me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX I dont recognize the following account in question. Im a victim of identity theft and I dont recognize this account on my report. Im requesting the following information be deleted from my Consumer report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing this complaint against Block , IncXXXX Cash App due to a failure to properly investigate a financial scam and a total lack of regulatory updates regarding my dispute.On XX/XX/year> and XX/XX/year> the days I sent it, I was scammed out of {$900.00} by an individual fraudulently impersonating a professional 'XXXX XXXX XXXX XXXX XXXXXXXX. ' This was an act of deceptive financial fraud. I filed a dispute with Cash App support on XX/XX/XXXX XXXX has been more than XXXX business days since my report. Cash App has completely failed to provide any proactive updates or a preliminary resolution. I only receive generic, automated responses when I manually message their support team. Cash App 's lack of communication and failure to act against a fraudulent account violates fair banking practices.I demand that Block , Inc. immediately escalate this investigation, trace the recipient account that engaged in this fraudulent broker scam, and refund my stolen funds of {$900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
b'RECENTLY I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUNDS ITEMS THAT I DID NOT AUTHORIZE OR OPEN THIS IS A RESULT OF IDENTITY THEFT. UNDER 15 US CODE 1681 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT.\nPLEASE INVESTIGATE AND REMOVE THESE ITEMS IMMEDIATELY \nCOLLECTIONS\nXXXX 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 EXPERIAN, XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX EXPERIANXXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX EXPERIAN, XXXX XXXX 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