vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint regarding the repeated limitation and eventual permanent restriction of my PayPal account despite my efforts to fully cooperate and provide all requested documentation. Initially, my PayPal account was temporarily limited under Reference ID : XXXX. At the time of writing this complaint, my account has now been permanently limited for the fourth time under Reference ID : XXXX. The limitation occurred shortly after receiving a legitimate business transaction : Transaction ID : XXXX I use my PayPal account primarily for legitimate freelance Graphic Design and Web Design services. I also occasionally receive payments from established freelance platforms including XXXX XXXX ( [ XXXX ] ( mailto : XXXX ) ) and XXXX ( [ XXXX ] ( mailto : XXXX ) ). All activity conducted through my PayPal account is lawful and related to my freelance business activities. Regarding the transaction that triggered the latest limitation, I provided PayPal with supporting documentation to verify the legitimacy of the payment. This included email correspondence with the client prior to the project being posted on XXXX. Client details : see on email correspondence The sender details matched the information associated with the PayPal payment and the related business communications. I also discovered that the sender experienced multiple payment processing errors while attempting to complete the invoice payment. Screenshots documenting these repeated payment failures were submitted to PayPal. I believe these system or processing errors may have incorrectly triggered the account limitation and should be investigated further. This is also not the first legitimate transaction I have received from this client. Previous transactions from the same sender were successfully completed, including : Transaction ID : XXXX Each time my account has been limited, I have made every effort to cooperate with PayPal by submitting requested documents, responding promptly, reversing transactions when requested, and conducting my own investigation into possible causes. Despite these efforts, I continue receiving automated and vague responses without a meaningful review of the evidence provided. I respectfully request that this matter be reviewed by a qualified human representative with authority to properly assess the legitimacy of my business activities and the supporting documentation submitted, rather than relying solely on automated systems or generic customer support responses. Attachments provided include : * Email correspondence screenshots * Payment error screenshots * Supporting transaction documentation I hope this complaint helps facilitate a fair review of my account and improves the handling of legitimate small business and freelance accounts in similar situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: NC

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XX/XX/year>, XXXX, wire transfer through Citibank XXXX XXXX XXXX XX/XX/year>, XXXX, wire transfer through Citibank to XXXX XXXX XX/XX/year>, XXXX USD, wire transfer through Citibank to XXXX XXXX XXXX XXXX, XXXX USD, wire transfer through Citibank to XXXX XXXX XX/XX/XXXX, XXXX, wire transfer through Citibank to XXXX XXXX XXXX XX/XX/year>, XXXX, wire transfer through Citibank to XXXX XXXX XXXX XX/XX/year>, XXXX, wire transfer through Citibank to 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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I am filing this complaint because PayPal sent an alleged debt to collections for funds I do not owe. An overseas hair company sent money to my PayPal account so I could purchase and review their product through XXXX. The payment was received in my PayPal account, but PayPal never released the funds to me. I did not withdraw, spend, or otherwise receive access to the money. Despite this, PayPal later claimed I owed the amount and sent the account to collections. I dispute this debt because the funds were never made available to me and I did not benefit from or retain the money. I have attempted to resolve this issue, but the debt remains reported and/or in collections. I am requesting that PayPal : * Conduct a full investigation into the transaction history * Provide proof that I actually received or used the funds * Remove the collections account immediately if they can not validate the debt * Correct any negative credit reporting related to this matter This debt is inaccurate and should not have been sent to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kikoff Inc.
State: PA

Complaint narrative:
I have been using grant money app for about a year now with no problem even though I didn't ask for a cash advance I still repay the money every month I use them but now they are telling me that they can't change the repayment date to something else that will help me then they say it the system but now it's always something else not to mention the high quality of payments for just taking the money to give you and I have not asked them for a cash advance but I see that I get a email anyway no problem I will pay them back for the money but now it's gotten out of hand to the point where I have been trying to work with them but they always have something new to say if you can help me with this matter asap I will be very happy to get them out of my head

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
Hello I have registered an account with XXXX on Thu, XX/XX/year>, XXXX and i have verified the account with my ID, and everything go good then i have made a deposit using my bank account {$4000.00} USD to XXXX account on Thu, XX/XX/year>, XXXX on Sat, XX/XX/year>, XXXX I was surprised to find that the account had been frozen. I contacted them they asked me to upload Selfie with ID and POA on XX/XX/year>, XXXX, i did and uploaded what they asked for on XX/XX/year>, XXXX, they unfreeze my account on XX/XX/year>, XXXX and from the upload time till the date they unfreeze my account they ( not respond to my emails, my account frozen, my money frozen ) 39 days!!!! ok finally my account got unfrozen, i go into my account to check my it and start trading, AGAIN, surprised that the account is still frozen, I contacted them again about this, and they asked me to upload Selfie with ID and POA again!!!!! After a wait of 39 days, they want me to upload the documents againand wait for an equally long period! I made the decision to stop my XXXX account. I told them that I wanted to close the account and withdraw my funds, i don't want to use their services anymore. And this is where the vicious cycle of fraud begins.!!! I asked them to close my account and refund on XX/XX/year>, XXXX and from that date till XX/XX/XXXX, XXXX they closed the account without refund the money!!! 92 days to close an account!!! I texted them about refund my money on XXXX XXXX, XXXX As of this moment, I have not received any response from them, and the funds remain in their possession. They have frozen my money about 6 months! If I had been working with this money on trading for such a long time, I would have gained thousands of dollars. They have caused me significant harm. I have never, in my entire life, encountered a company that takes half a year just to resolve a single issue. The absurdity of the situation is that six months have passed, yet the problem remains unresolved! My money is still in their possession. That's the problem, I will attach PDF contain all the screenshots of the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
I am submitting this complaint because I am a victim of identity theft. I was shocked and distressed to discover that RUBIN & ROTHMAN , LLC, on behalf of XXXX, XXXX, filed a judgment and writ of execution against me for a debt of {$2000.00} and/or any other amount that I did not incur. I am NOT the debtor named in this judgment and have never authorized or been involved in any financial transactions with XXXX XXXX XXXX XXXX related to this alleged debt. Upon receiving notice of this legal action, I was confused and uncertain about my rights and the proper steps to take. After researching my rights and the legal process, I now understand the severity of this situation and am actively pursuing the formal process to have this fraudulent judgment vacated. RUBIN & ROTHMAN , LLC and XXXX XXXX XXXX XXXX have provided no valid proof linking me to this debt. No signed agreements, contracts, or documentation exist to show I am responsible. Under the Fair Debt Collection Practices Act ( FDCPA ), creditors must validate debts before taking legal action, which was not done in this case. The filing of this judgment and writ of execution has caused significant emotional distress, anxiety, and potential financial harm. I request that the CFPB investigate these fraudulent actions, hold the responsible parties accountable, and assist in ensuring that the judgment and writ of execution are immediately vacated. I am entitled to have these actions removed from my record and for the responsible parties to cease any further collection attempts related to this fraudulent debt. This complaint is accurate and complete to the best of my knowledge, and I submit it to formally document the identity theft and request full remediation.

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 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: TX

Complaint narrative:
XXXX debt is trying to collect over XXXX from me for a fraudulent account set up through XXXX home security in 2018. It continues on my credit and I've never had an account with them. I have been part of the law suit suing them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am a victim of identity theft. I was devastated to discover that XXXX XXXX XXXX XXXX XXXX, on behalf of CITIBANK, N.A., filed a judgment against me for a debt of {$1900.00} ( or any other amount ) that I did not incur. I am NOT the debtor named in this judgment, and I have never authorized, signed for, or been involved in any financial transactions with CITIBANK , N.A . related to this debt. Upon receiving notice of this legal action, I was confused, overwhelmed, and uncertain about my rights and the correct steps to take. I had no idea that my personal information had been compromised. Initially, I assumed the situation would resolve itself. After conducting my own research, I now fully understand the severity of the situation and the immediate action required to protect myself, my credit, and my personal information. I did not file a timely response because I was unaware of the theft and its implications for my financial standing. I acknowledge this delay, but I am now actively pursuing all legal measures to address this fraudulent claim. The judgment is entirely based on fraudulent activity beyond my control, and I am working diligently to prove that I am the victim of a crime I did not commit. Legal violations have occurred in connection with this case. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, all information reported to credit reporting agencies must be accurate. In this instance, the debt attributed to me is not mine, and no evidence exists showing that I authorized it or incurred any financial responsibility. Further, XXXX XXXX. XXXX prohibits the disclosure of personal information without consent. My personal data was unlawfully accessed and used by identity thieves to open accounts and accrue debt in my name. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, creditors must validate debts before taking legal action. CITIBANK, N.A., and XXXX XXXX XXXX XXXX XXXX failed to provide any valid proof of this debt or documentation confirming my liability. Under XXXX XXXX. XXXX ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information in my credit file, which has clearly not been met. This fraudulent judgment has caused me significant distress, anxiety, and financial harm. I respectfully request that the CFPB investigate this matter, hold the responsible parties accountable, and take all appropriate steps to ensure my credit report reflects the truththat I am a victim of identity theft and not a debtor. I am requesting the immediate removal of this judgment and correction of all related records.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
I am a victim of identity theft. I was devastated to discover that RUBIN & ROTHMAN , LLC, on behalf of XXXX, XXXX, filed a judgment against me for a debt of {$1900.00} ( or any other amount ) that I did not incur. I am NOT the debtor named in this judgment, and I have never authorized, signed for, or been involved in any financial transactions with XXXX XXXX XXXX XXXX related to this debt. Upon receiving notice of this legal action, I was confused, overwhelmed, and uncertain about my rights and the correct steps to take. I had no idea that my personal information had been compromised. Initially, I assumed the situation would resolve itself. After conducting my own research, I now fully understand the severity of the situation and the immediate action required to protect myself, my credit, and my personal information. I did not file a timely response because I was unaware of the theft and its implications for my financial standing. I acknowledge this delay, but I am now actively pursuing all legal measures to address this fraudulent claim. The judgment is entirely based on fraudulent activity beyond my control, and I am working diligently to prove that I am the victim of a crime I did not commit. Legal violations have occurred in connection with this case. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, all information reported to credit reporting agencies must be accurate. In this instance, the debt attributed to me is not mine, and no evidence exists showing that I authorized it or incurred any financial responsibility. Further, XXXX XXXX. XXXX prohibits the disclosure of personal information without consent. My personal data was unlawfully accessed and used by identity thieves to open accounts and accrue debt in my name. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, creditors must validate debts before taking legal action. XXXX, XXXX, and RUBIN & ROTHMAN , LLC failed to provide any valid proof of this debt or documentation confirming my liability. Under XXXX XXXX. XXXX ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information in my credit file, which has clearly not been met. This fraudulent judgment has caused me significant distress, anxiety, and financial harm. I respectfully request that the CFPB investigate this matter, hold the responsible parties accountable, and take all appropriate steps to ensure my credit report reflects the truththat I am a victim of identity theft and not a debtor. I am requesting the immediate removal of this judgment and correction of all related records.

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 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I disputed a Portfolio Recovery Associates account due to materially misleading and inconsistent credit reporting practices. The account is being reported inconsistently across consumer reporting agencies, including contradictory dispute status reporting and inconsistent account classification information. Despite these discrepancies, the account continues to be verified as accurate. I requested information sufficient to verify the accuracy of the reporting, including method of verification, chain of assignment, ownership documentation, and supporting records. Adequate supporting documentation was not provided. The reporting continues to appear inaccurate, unreliable, and materially misleading to potential creditors and third parties reviewing my consumer report. I believe the investigation conducted was deficient and failed to reasonably reconcile the inconsistencies present in the reporting. I am requesting a proper investigation into the furnishing and reporting of this account and correction or deletion of the tradeline if it can not be fully and accurately verified in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Opened an account with Wells Fargo in XXXX. XXXX was told my information was comprimised. Account was never used. Sent me another card and they did an investigation confirming it was hacked. Went down to a branch and closed out account. Next day started getting bombarded with solicitations for credit cards. Went back down to branch and they changed account settings and it has gotten worse.

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 2026-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
Rocket Mortgage has failed to complete an escrow audit, failed to provide a corrected escrow analysis, and failed to respond within the timelines required under RESPA 1024.35. Despite acknowledging my request on XX/XX/year>, Rocket has not assigned the case, has not begun the audit, and has not responded to my Executive Office escalation sent on XX/XX/year>. Full Narrative : On XX/XX/year>, I submitted a written request to Rocket Mortgage for an escrow payment audit and a corrected escrow analysis due to discrepancies in my escrow account and monthly payment amount. Rocket Mortgage acknowledged my request in writing on XX/XX/year> ( Research Reference # XXXX, XXXX # XXXX ). In that letter, Rocket stated : > Your case is currently under review and will be assigned to the appropriate team. Once assigned, the escrow audit will begin As of today, XX/XX/year> 35 days after their written acknowledgment Rocket has not assigned the case, has not begun the audit, and has not provided any findings, documentation, or corrected escrow analysis. Under RESPA 1024.35, Rocket is required to provide a substantive written response within 30 business days of acknowledging a Notice of Error or request for information. Rocket has missed this deadline and has not provided any written extension or explanation. On XX/XX/year>, I escalated the matter to Rocket Mortgages Executive Office via email. I have received no response from the Executive Office or any other department. Rocket has now failed to meet both federal servicing timelines and its own stated timelines. Rockets failure to assign the case, begin the audit, or provide any update has left me without an accurate escrow analysis, without clarity on my correct monthly payment, and without the ability to verify whether my escrow account is being serviced properly. This delay has caused financial uncertainty and prevents me from confirming whether my mortgage payments are accurate. I am requesting that Rocket Mortgage complete a full escrow audit covering all years in which the error may have occurred, not just the most recent year, so that any longterm servicing discrepancies can be identified and corrected. I am requesting the CFPBs assistance to compel Rocket Mortgage to : 1. Complete the escrow audit immediately 2. Provide a corrected escrow analysis 3. Provide a written explanation for the delay and missed RESPA deadlines 4. Correct any servicing errors identified in the audit, including those from prior years Rocket Mortgage has had more than sufficient time to complete this review and has failed to take action.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation