vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: NJ

Complaint narrative:
b'My XXXX XXXX card someone made 2 transactions not my me . I cancel my card and have another one coming in the mail . Same day I lost the card and cant remember the number so I cant get a live person to talk to to dispute these charges . Please help me XXXX XXXX I think XXXX XXXX XXXX not me and XXXX XXXX XXXX I think also not me . I cant afford to lose this money please help me'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-03 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On Monday, XX/XX/year>, I received an alert on my cellphone that my Citibank XXXX XXXX XXXX had been charged {$4200.00} to XXXX XXXX. I did not recognize this charge, or the merchant and I immediately called Citibank to report the fraudulent charge and to cancel the card. Citibank canceled my card, issued a new card, flagged the charge as under dispute, and credited the charge shortly afterwards. Seven days later, on XX/XX/year>, the exact same charge to the same vendor came through a second time. Over the next several weeks I called Citibank a total of 13 times to report this second fraudulent charge and Citibank has done nothing to resolve the issue. Ive been transferred around to multiple departments including the XXXX department and the XXXX department. Ive spoken to several supervisors who force me to repeat the same information over and over again. They act confused about how this could have happened and then they promise to report the issue to the appropriate department. As of Wednesday, XX/XX/year>, nothing has happened and the second fraudulent charge is still on my account. There is nothing to indicate that the charge is even being disputed. Citibank screwed up and allowed a fraudulent charge to come through a second time on a canceled card and they refuse to do anything to fix their mistake. My due date is XX/XX/year> and Im going to be forced to make a payment and pay interest on a fraudulent charge that they allowed to happen.

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
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
I would like to file a complaint on FREEDOM MORTGAGE. I hold a mortgage loan with Freedom Mortgage in XXXX XXXX, FL. I have been unsuccessfully trying to contact someone in the XXXX XXXX department for several days. The online system is down and it instructs one to call to speak with someone at XXXX. I have called that number several times and have been on hold collectively for over 4 hours this week alone. The phone disconnects around 48 minutes, and I have to start over. I have spoken with customer service several times and they claim they can not speak with anyone either. Customer service tells me that I have to " just wait on hold for someone to answer ''. Customer service also told me that Freedom Mortgage does not call customers back, because they are too busy. How long should one have to wait on hold and how many phone calls do I need to make to show/prove that I have done my diligence? I've waited hours and hours to speak with someone about this to no avail. I am unable to take my bank account information off my account also. I would like to take it off so when I miss my next payment, they will call. I'm at a loss on how else to speak with someone about my loan. I have documented all times of attempted contact by me.

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 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Im reaching out because I genuinely feel stuck and like Im not getting any real help resolving an issue on my credit report. There is an account from Central Portfolio Control that is currently being reported on XXXX and XXXX, but this same account was already deleted from XXXX due to discrepancies. That alone tells me theres clearly something wrong with how this account is being reported. Ive already taken the proper steps on my end. I sent dispute letters to the credit bureaus and tried to handle this directly, but I got nowhere. The only response I received was that the account was verified, which doesnt make any sense to me because if it truly was verified, XXXX would not have removed it. Thats where my frustration comes inthere is an obvious inconsistency, but no one seems to be addressing it. At this point, I feel like Im just being ignored and not taken seriously. This account does not belong to me, and its honestly very frustrating and insulting to have something inaccurate affecting my credit while Im doing everything I can to get it corrected. Ive put in the effort, followed the process, and still havent seen a fair or thorough investigation. Im coming through the CFPB because Im hoping this will finally lead to a real review of the situation. From my understanding, submitting a complaint here ensures that the credit bureaus and the collection agency actually take a closer look instead of giving a generic response. Thats all Im asking fora proper investigation and a fair outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year>. Two phone call involving long wait times to pay monthly use fee, which we never used, followed by efforts to close the accounts. Was transferred to a representive who required that the card holder formally request that the accounts be closed - card holder was promptly disconnected. Second call, now by the card holder requested the accounts ( two cards ) be closed. Two additional long waits on hold, interrupted by an update involving a technical issue, followed. Customer service representative explained Citi could not cancel the accounts because of an indistinguishable response. Was then advised that card holder should wait two or three hours to call back and try again to cancel the accounts. Card holder suggested that Citi should call back and not put an additional, and already imposition on the card holder. Citi did not respond and disconnected the card holder. Seems clear Citis intent was to make account cancellation as difficult as possibly discourage cancellation and prolong collection of monthly fees on the account.

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 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
" I am filing a formal complaint against Chime regarding Claim ID : XXXX. Chime automatically processed a charge of {$200.00} from XXXX on XX/XX/year> using an outdated card on file via an automatic account updater, without my authorization or a final order submission from me. Since chime never gave me an actual reason as to why they denied my claim, I am assuming they denied my fraud claim because the items arrived at my address and because I have ordered from here before. However, because this was an unauthorized merchant processing glitch, the merchant is now attempting to charge me a return shipping fee to send the unwanted items back. I should not be forced to pay a penalty fee to return merchandise I never authorized a payment for. Under Regulation E, Chime is required to protect me from unauthorized electronic fund transfers. I am requesting that Chime credit my account for the cost of the unwanted items ( {$200.00} ) so I can resolve this unauthorized charge. " *

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: MN

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX 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 XXXX Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Intent to sue, requested from XXXX to provide validation of debt, and was not able to do, I have also requested for this to be removed from credit report several occasions and still not removed. Based off FCRA should have been removed within 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was purchasing sod through XXXX XXXXXXXX on XX/XX/year>. I got a text from whom I thought was the vendor asking for payment on XX/XX/year>. The sod was at my house, so I was expecting to pay. I paid XXXX XXXX {$700.00} through XXXX on XX/XX/year> at XXXX XXXX EST, but within XXXX minutes, I realized XXXX was a fraud because the person who delivered the sod in person asked for payment. On XX/XX/year>, I immediately called my bank ( chat and phone at XXXX and XXXX XXXX ) and XXXX ( XXXX XXXX EST ) and the bank drew the funds back from XXXX XXXX I notified XXXX via email and chat and phone that this happened all on Thursday and Friday. My bank XXXX was quick to react. XXXX however was not. They kept saying I had to pay them. At XXXX XXXX on XX/XX/year> the fraudster reached out for the same amount because XXXX likely took the money back from them. I notified XXXX via chat and email that this happened. They told me I had to pay!! Then today at XXXX EST on XX/XX/year> the fraudster canceled the request and then XXXX called me asking me to pay! I have not paid due to Regulation E. I want the credit cancelled from XXXX but they are refusing. The fraudster is XXXX XXXX. He used XXXX for the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV Funding LLC c/o Resurgent Capital Services To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you cease and desist all communication with me regarding the above-referenced alleged debt. I request that you immediately stop all telephone calls, text messages, emails, letters, and any other attempts to contact me, except as permitted by law to notify me of specific legal action, if any. This letter is not an acknowledgment of liability for the alleged debt, nor is it a promise to pay. I dispute this alleged debt and reserve all rights available to me under federal and state law. Any further communication that violates the FDCPA may be documented and used as evidence in a complaint to the appropriate regulatory agencies and/or in legal proceedings. Please confirm in writing that you have received and complied with this request. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AZ

Complaint narrative:
On or around XX/XX/XXXX, I used Cash App to file approximately XXXX dispute claims related to XXXX transactions on my account totaling approximately {$120.00}. I did not recognize these charges at the time they appeared and submitted the disputes in good faith through XXXX XXXX dispute process. Cash App initially approved and refunded several of the disputed transactions, while others were later denied. Shortly after these dispute outcomes, Cash App deactivated my account and stated that my dispute activity was considered fraudulent or false. I contacted Cash App support to request clarification and evidence supporting this determination, including how Cash App distinguished between disputes that were approved versus denied and what information was used to conclude that certain transactions were authorized. I did not receive a substantive explanation or supporting documentation. I am requesting a review of the account closure and fraud classification, a clear explanation of the evidence used to make these determinations, and clarification of the inconsistency between disputes that were approved and those that were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: IL

Complaint narrative:
I am filing this complaint because my mortgage servicer has not properly adjusted my escrow account after my property taxes were waived through a 100 % tax exemption. My current monthly mortgage payment is approximately {$2400.00}, and approximately {$1100.00} of that amount is being collected for escrow. I qualified for a property tax exemption, and my taxes were waived 100 %. However, my mortgage servicer previously paid quarterly property taxes from my escrow account and has not clearly explained how those payments are being corrected, refunded, credited, or factored into my current escrow calculation. I contacted the mortgage company XXXX of 2026 and requested that they reevaluate my escrow account because my property taxes are no longer owed due to the exemption. I contacted them again today, XX/XX/year>, and they told me they need another 714 days to review the account again. It has already been approximately 90 days since I first requested that they reevaluate the escrow amount. I am concerned that the servicer is continuing to collect an excessive escrow amount based on property taxes that are no longer due. I am also concerned that the servicer has not provided a clear corrected escrow analysis, transaction history, or written explanation showing why I am still being charged approximately {$1100.00} per month for escrow. I am requesting that the servicer immediately complete a corrected escrow analysis using my current property tax exemption and current tax bill showing {$0.00} property taxes due. I am also requesting a written explanation of all property tax payments made from my escrow account, whether any county refund or credit has been received or is pending, whether an escrow shortage or surplus exists, and what my corrected monthly mortgage payment should be going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/year>, I deposited a {$2800.00} convenience check issued by USAA Federal Savings Bank into my checking account at XXXX XXXX XXXX XXXX The deposit was initially accepted and credited to my account, and I used the funds to pay off existing credit card balances. On XX/XX/year>, XXXXXXXX XXXX XXXXXXXX reversed the deposit and posted a transaction described as RETURNED ITEM - REFER TO MAKER for {$2800.00}. XXXX also charged a {$10.00} returned deposit fee. As a result, my checking account became approximately {$2800.00} negative. USAA continues to show convenience check # XXXX as posted and valid and is holding me responsible for the {$2800.00} balance on my credit card account. I disputed the transaction with USAA, but USAA treated the matter as an authorization dispute and concluded that the transaction was authorized. I am not disputing that I authorized the convenience check. My complaint is that XXXX XXXX XXXX states the deposited item was returned, while USAA states the convenience check was posted and remains owed. I have requested documentation showing whether the check was actually paid, returned, or otherwise reversed, but I have not received a clear explanation resolving the conflicting information provided by the two institutions. I am requesting documentation showing the final disposition of the check and assistance resolving the discrepancy between the two financial institutions. XXXX has informed me that my account may be charged off if the negative balance remains unresolved.

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 2026-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing once again regarding an account on my credit report that does not belong to me and continues to be reported despite my previous efforts to have it removed. This unauthorized account is the result of identity theft and inaccurate personal information being associated with my credit file. I have noticed that my credit report contains incorrect personal information, which appears to have caused this fraudulent account to be linked to my record. I have never opened, authorized, or been associated with this account. Following instructions provided to me, I filed an identity theft report with the FTC and submitted the supporting documentation, yet this fraudulent account remains on my credit report. The continued reporting of an account that resulted from identity theft is both distressing and unacceptable, especially after I have already provided evidence supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 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: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I request that Midland Credit Management provide complete verification of this debt, including documentation showing the original creditor, chain of ownership, account statements supporting the balance, and proof of Midlands authority to collect and report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding identity theft and fraudulent debt reporting. My personal information was used without my knowledge or consent to open an account with XXXX XXXX XXXX XXXX XXXXXXXX, which was assigned to XXXX XXXX XXXX XXXX XXXX, and represented by Weltman , Weinberg & Reis Co. , L.P.A . A judgment has been filed against me based on this account, claiming I owe {$8400.00}. I am not, and have never been, the debtor of this account. I never applied for, authorized, or benefited from these debts. This fraudulent activity has caused significant emotional distress, anxiety, and potential harm to my credit, reputation, and financial stability. Upon receiving notice of the judgment, I experienced fear and uncertainty. I required time to understand my rights and determine the proper steps to protect myself. My delay in responding was necessary, deliberate, and reasonable. I carefully researched the law and prepared to defend myself against debts I did not incur. The actions of XXXX XXXX XXXX XXXX XXXX and its counsel, Weltman , Weinberg & Reis Co., L.P.A., constitute violations of federal law. They reported and attempted to collect debts that were fraudulent without verification or permissible purpose, in violation of 15 U.S.C. 1681i and 1681s-2. Their collection efforts from a non-debtor also violate the FDCPA, 15 U.S.C. 1692f and 1692g. Furnishing my personal information without my consent or a permissible purpose further violates 15 U.S.C. 1681b. These unlawful actions have caused ongoing harm, including emotional distress, financial risk, and potential damage to my credit and opportunities. I request that the CFPB investigate these practices, take action to ensure the judgment is vacated, the fraudulent account is removed from all credit reports, and all collection activity ceases immediately. I also request guidance on additional steps I can take to prevent further misuse of my personal information.

Company response to consumer: Closed with explanation