vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 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: Paypal Holdings, Inc
State: UT

Complaint narrative:
I made a purchase on XX/XX/XXXX for a bicycle that has not been delivered. PayPal suggest Buyer Protection should cover this given that my item did not arrive, you may be reimbursed and " Proof of delivery '' must show the item was delivered to the address on the transaction details page. On XX/XX/XXXX XXXX sent a letter stating " Our records indicate that the service or merchandise was received by you and delivery was confirmed ''. I would like to know what records you used to determine that, because that was not my experience nor was it supported by the information I previously sent you. The PayPal transaction ID XXXX shows a shipping address which is XXXX XXXX XXXX XXXX, XXXX XXXX, UT, XXXX. This is provided as an attachment, it also includes that shipping number below. The XXXX shipping number is : XXXX. This XXXX shipping number shows a delivery to XXXX, New Jersey, not the address the item was supposed to be shipped to. The detailed tracking for this shipping number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: LA

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 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
As per county tax office- taxes were paid XX/XX/XXXX. I was planning to pay them XX/XX/XXXX. Taxes on this property have always been paid and have never gone to tax sale. Again, this IS NOT an escrowed loan. I contacted Wells Fargo on or about XX/XX/XXXX, after receiving correspondence from them dated XX/XX/XXXX stating they had paid the taxes ( county tax office shows payment was made XX/XX/XXXX ) and that they opened an escrow account for me. On the same date, I received more paperwork with the escrowed amount and instructions on how the amount would be applied to the loan. Remember, this is not an escrowed loan. This is a XXXX loan that commenced in XXXX. I immediately called Wells Fargo Mortgage and spoke with a representative in the Home Mortgage Department. I was told that a letter was sent prior informing me that Wells Fargo would be paying the taxes. I informed her that such a letter was never received ; however, I did receive all correspondence AFTER payment was made. I informed her that this is not an escrowed loan, and that appears illegal to me. I then asked how I could reimburse them for the payment. I then told her I could make a credit card payment as I was speaking with them to reimburse the payment, and she stated they did not accept credit card payments. I then told her the county does, and that's how I make payment every year- as I have mobility issues. She then told me that I would be receiving additional information from the Mortgage Department addressing my concerns. I then asked her when is the escrow scheduled to begin, and she stated XX/XX/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 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate late-payment reporting appearing on my credit reports with TransUnion, XXXX, and XXXX. After reviewing my credit reports, I identified late-payment history being reported on the account listed below that appears inaccurate, incomplete, misleading, or not properly substantiated. I am not disputing ownership of the account. My dispute is limited to the reported delinquency history, payment history, and late-payment notations associated with the account. Negative Account in Dispute : XXXX Account ending in XXXX The reported late-payment information is causing ongoing harm to my credit profile. Under the Fair Credit Reporting Act, consumer reporting agencies and furnishers must maintain maximum possible accuracy and must not report information that can not be properly verified. I am requesting a reasonable reinvestigation of the reported late-payment history, delinquency dates, and payment reporting associated with this account. If the furnisher or credit bureaus can not provide complete, accurate, and verifiable documentation supporting the reported late-payment history, the inaccurate derogatory information should be corrected or removed from all consumer reports.

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 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: NV

Complaint narrative:
b'I PAID ONLINE TOTAL PAY OFF AMOUNT, BUT NO REPLY FROM THEIR SIDE.\nPLEASE FIND ATTACHED STATEMENT FOR THE BALANCE IS $XXXX\nTHERE IS NO CONTACT NUMBER ON THEI WEBSITE AND NO OPTION TO CONTACT THEM. THEIR WESITE IS XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: TN

Complaint narrative:
I made a request for an escrow waiver via Loan Depot 's website on XXXX. I received a denial response on the same day. I then requested an explanation for the denial via Loan Depot 's website on XX/XX/XXXX. According to telephone conversation with XXXX XXXX at Loan Depot, the reason for the denial was because I paid my XXXX property taxes late. At that point I made a request for her to only communicate with me in writing. She sent an email stating that my XXXX XXXX XXXX property taxes were paid late along with my loan agreement. I formally disputed her determination regarding my escrow account. Her reply to me instructed me to send my concerns to QWR and/or NOE. A letter along supporting documentation was sent via certified mail on XX/XX/XXXX requesting a reply within 5 business days. XXXX XXXX left me a voice message and an email on XX/XX/XXXX indicating that my case was still under investigation. Background info. I refinanced my mortgage in XXXX with a conventional loan with no escrow account. The loan has been paid down by 22 % since XXXX. My property insurance is not escrowed. I have never been delinquent on any of my property taxes. It was in fact my City of XXXX XXXX property taxes that were paid less than XXXX month after the due date. I incurred a late charge of approximately {$15.00} ( fee was paid ). This is why a forced escrow account was established. I prefer to pay my property taxes and insurance from my savings with limited withdrawals instead of my monthly income. Before refinancing my mortgage with Loan Depot, there was no need for an escrow account as I made my own payments. I am needing assistance with obtaining an escrow waiver as I have never been delinquent on any of my property taxes in the 20 years that I have resided in my home. I

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: EQUIFAX, INC.
State: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I accidentally sent {$1700.00} through XXXX to the wrong recipient due to entering an incorrect phone number. I realized the mistake within minutes and immediately contacted Chase to report the error and request assistance. Chase opened a claim and conducted an investigation. I later received letters stating that the transaction had posted successfully and that no adjustment would be made to my account. Although I reported the error immediately, Chase did not provide meaningful assistance in recovering the funds or explain what recovery efforts were made. I requested information regarding the investigation and recovery process, but the response only confirmed that the payment was completed. I am asking CFPB to review whether Chase handled this matter appropriately and whether additional recovery assistance should have been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: DE

Complaint narrative:
On XX/XX/year> I applied for a loan, from Klarna. Upon applying, I was initially approved for the loan I sought. But upon their final approval review, I was denied. I then tried a lower amount, as was implied by the auto server, and was approved again Just to be denied again, upon their final approval. I then reached out to their online customer representatives, and was connected to XXXX. After looking into my inquiry, XXXX told me that my continued request for the same loan, had triggered an internal security feature Which blocks my account for 72 hours, to eliminate possible fraud. Now, this hidden security feature, is not outlined anywhere in the Klarna terms and conditions. But even then, I was thinking that it was no big deal. I will just submit to some security questions, and verifications And then Ill be able to continue with my purchase. But then, XXXX tells me thats not how it works. How it works, is that the 72 hours is a lock, that cant be overridden. So, now Im confused, because my account is only locked on my end, for purchases. Klarna will still be taking money from me everyday, to pay back loans. I find these trick tactics to be railroading, with no legal bearing, as this was not outlined in the terms and conditions. Nor was I contacted by anyone from Klarna, to give me a warning or update of this security feature, nor to verify my identity. Thus Klarna is in breach of the mutual contract, by locking my account, for a reason that isnt listed in the contract. Just as I am bound to abide by the contract, so are they. And by said contract, they are to update me upon any new contractual obligations, so I have the option to proceed with said new obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint against Capital One Auto Finance regarding account number XXXX, which they are inaccurately reporting on my credit report. The vehicle associated with this loan was declared a total loss and the outstanding balance was paid in full by my insurance company. This insurance settlement completely satisfied the debt. Despite this, Capital One Auto Finance continues to report inaccurate negative information on this account to consumer reporting agencies. I submitted a formal dispute through XXXX. On or around XX/XX/year>, XXXX notified me that Capital One Auto Finance verified the disputed information as accurate. However, the debt was fully satisfied by insurance payment, and any negative reporting after that date is factually inaccurate. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), Capital One Auto Finance as a furnisher of information is required to conduct a reasonable investigation of disputed information and correct or delete any information that is inaccurate or unverifiable. Reporting negative information on an account that was satisfied by insurance payment is a clear violation of the FCRA. I am requesting the CFPB investigate the following : 1. Whether Capital One Auto Finance properly updated this account to reflect the insurance payoff and XXXX balance. 2. Whether Capital One Auto Finance conducted a reasonable investigation of my dispute as required by the FCRA. 3. Whether Capital One Auto Finance is reporting accurate information to XXXX, XXXX, and XXXX regarding this account. 4. Whether Capital One Auto Finance has violated the FCRA by continuing to report inaccurate negative information on a debt satisfied by insurance. The inaccurate reporting of this account is causing ongoing damage to my credit score and financial wellbeing. I have also sent a formal dispute letter directly to Capital One Auto Finance via USPS Certified Mail. Desired Resolution : I request that Capital One Auto Finance immediately update this account to reflect a XXXX balance and paid/closed status, remove all inaccurate negative information from my XXXX XXXX, and XXXX credit reports, and provide written confirmation that these corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
I am forced to attempt to find resolution once again with Kramer and Frank for a long-standing issue.and all they have done so far sent me rambling recitals with no attempt at resolution In the past, they sued me needlessly on behalf of commerce Bank . It was not a valid lawsuit and XXXX XXXX notified them to close the lawsuit immediately and which they did. XXXX XXXX admit that they dont even have an account in my name. Because this was mishandled by Kramer and Frank, the entry on the public record system called case net still exist, and according to the court, Kramer and Frank needs to file a motion to have that removed. They absolutely do have the authority and they have the obligation to do it. Otherwise theyre reckless behavior and neglectful behavior has damaged my name and I expect it to be cleared up. It is costing me many years of extreme stress and damage to my name. I will not back down on this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Reliant Capital Solutions, LLC
State: NY

Complaint narrative:
I have a XXXX XXXX XXXX through XXXX XXXX XXXX, previously serviced by XXXX , that was referred to Reliant Capital Solutions for collections without proper notice. I was making regular ACH payments through XX/XX/year>, including a {$510.00} payment on XX/XX/year>. I received no written notice from XXXX, XXXX, or XXXX that my account was at risk of default, had been declared in default, or was being referred to a third-party collector. The first communication I received from Reliant was an email dated XX/XX/year>, which was routed to my spam folder. That email did not contain the required FDCPA validation disclosures, including notice of my right to dispute the debt within 30 days. I sent a formal written dispute requesting full debt verification, itemization of the {$480.00} in collection costs, legal basis for the fees, date of default, proof of default notice, and chain of assignment. Reliant has not responded to my dispute. My only notice went to spam and I was never notified by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
Ive been using my Cash App for years and getting money sent to me with no issue .. all of a sudden one day I go to log onto my account and I get a message stating my account got shut down due to fraudulent activity.. I have every transaction on my account all I did was pay for XXXX which is for my transportation and people as in family would send me money so Im not understanding why my entire account got closed Im very upset and they have yet to do anything about it my account has been closed for almost an year now!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: U.S. BANCORP
State: TX

Complaint narrative:
I submitted a Tech Support Case # XXXX with the 24 Hr Banking Support team to escalate my issue on XX/XX/year> and XX/XX/year>. U.S. Bank never responded to my case.

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 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX and the financing account connected to my services. My account continues to show disputed charges and loan obligations even though the office I originally worked with has closed, and the new office has stated that they do not accept the financing agreement associated with my account. I feel like I am forced to go to this new office miles away even though I am not getting service & they still want me to pay Despite explaining this situation multiple times, the financing company continues to deny my dispute. I believe this is unfair because I am unable to receive the services that were originally agreed upon under the financing contract. Since the original location is no longer operating and the replacement office refuses to accept the financing, I can not utilize the services I am being charged for. I have attempted to resolve this matter directly by contacting both XXXX XXXX and the financing provider, but no reasonable resolution has been offered. I am requesting a full investigation into this account, including review of the office closure, inability to access services, and denial of my dispute despite the financing no longer being usable at the new location. I respectfully request that the remaining balance be removed or adjusted accordingly, as the contracted services can not be fulfilled under the original agreement terms. Thank you for your time and consideration regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I made a purchase on XX/XX/XXXX for a bicycle that has not been delivered. PayPal Credit / Synchrony suggest Buyer Protection should cover this given that my item did not arrive, you may be reimbursed and " Proof of delivery '' must show the item was delivered to the address on the transaction details page. On XX/XX/XXXX XXXX sent a letter stating " Our records indicate that the service or merchandise was received by you and delivery was confirmed ''. I would like to know what records you used to determine that, because that was not my experience nor was it supported by the information I previously sent you. The PayPal transaction ID XXXX shows a shipping address which is XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX. This is provided as an attachment, it also includes that shipping number below. The XXXX shipping number is : XXXX. This XXXX shipping number shows a delivery to XXXX, New Jersey, not the address the item was supposed to be shipped to. The detailed tracking for this shipping number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief