vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2025 - I was at a friends home and received a text from B of A and I did not open or click on it. I thought it was a scam. I received an email when I get home and then called and denied all charges. I believe I was catfshed becuase when I called it sounded like someone from overseas. I did not make these charges and advised them this was not me. I believe my identity and phone were hacked and I was catfished. Fraudulent charges from XXXX - XXXX of 2025. I did not authorize these charges.

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: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I noticed an issue with services finances. The problem involved [ my debit card they have more than 3 year they charge me every month, and the amount involved was approximately XXXX XXXX I first contacted the company on XX/XX/XXXX, by phone at XXXX XXXX to try to resolve the issue. I explained that. The company responded by take my debit card number, but the issue was not resolved. On XX/XX/XXXX followed up again and requested to put everything and order for automatic payment, The company services finances report lates payment and my credit report that not fair i call them to remove the late payment the issue remains unresolved because the mistake from them not me I am requesting that the company services finances remove the lates payment on my report credit 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 explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
b'we made an overpayment of a loan payment of $XXXX instead of the regular payment of $XXXX the start of XXXX, have called on XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX XXXX and have been promised a refund. They sent a check and then stopped payment on that check after finaly sending the check. My bank charged me a fee for bad check. This loan was paid off in full the start of May\n\nSELECT PORTFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX'

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 — Impersonated attorney, law enforcement, or government official
Company: Radius Global Solutions LLC
State: PR

Complaint narrative:
On XX/XX/year>, I received a debt collection letter from Radius Global Solutions LLC ( reference number XXXX ) attempting to collect an alleged debt of {$25000.00} originated with XXXX XXXX XXXX . I am a resident of Puerto Rico. Puerto Rico law ( Chapter 45, Title 10 ) requires all debt collectors to be licensed by the Office of the Commissioner of Financial Institutions ( OCIF ) before attempting to collect debt from Puerto Rico residents. I searched the official OCIF license database at concesionarios.ocif.pr.gov and found zero results for Radius Global Solutions LLC under any name, including their known affiliates Northland Group and XXXX. They are not licensed to collect debt in Puerto Rico. Despite having no license to operate in Puerto Rico, Radius Global Solutions sent me a collection letter with payment deadlines and a settlement offer, attempting to collect {$25000.00}. I also searched Puerto Rico court records at poderjudicial.pr.gov and found they have no cases filed in Puerto Rico courts whatsoever. Collecting debt in Puerto Rico without an OCIF license violates Puerto Rico Collection Agencies law and constitutes a false representation of their legal authority to collect under the FDCPA.

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 is not yours
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by 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: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I attempted to send a domestic money transfer of {$6000.00} via PayPal. When utilizing PayPals search interface to locate the recipient, the system generated only a single matching account destination that shared the exact name of my intended recipient. Relying on PayPal 's system-generated search results and user interface, I initiated the transfer. It was subsequently discovered that PayPals platform had routed the funds to an incorrect, unverified account that does not belong to my intended recipient. This constitutes a severe processing and technical routing error entirely on PayPals end. Upon identifying the error, I contacted PayPal frontline customer support. Representatives acknowledged the routing anomaly but refused to initiate an internal technical trace or claw back the misrouted funds. Instead, PayPal staff instructed me to force a bank chargeback through my financial institution, XXXX XXXX. Because allowing a high-value {$6000.00} charge to clear into a system error carries an extreme financial risk, I placed a protective stop-payment at XXXX XXXX. XXXX XXXX correctly advised me that they can not file a billing dispute or chargeback on funds that have successfully been stopped and never posted. Consequently, PayPal has now penalized my digital wallet with a negative balance of - {$6000.00}, rendering my account unusable and threatening debt collection. PayPal is attempting to hold me financially liable for a systemic failure of their own user interface and account-generation algorithm. PayPal needs to conduct an internal technical audit of the recipient account their system generated, claw back the {$6000.00} from that incorrect account, and immediately clear the unfair negative balance on my account.

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: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XXXX XXXX, 2026, XXXX XXXX put a {$420.00} authorization hold on my accounts and another charge of {$420.00}. Both were approved. On XX/XX/XXXX they released the hold and charged an additional {$420.00}. Branch Bank did not put my {$420.00} authentication hold back on my account. This put me in overdraft status. Not only am I dealing with different charges bouncing but I am unable to access the {$75.00} and change that I had available on the account on Friday XX/XX/XXXX at XXXX pm, but also my income from Saturday and Sunday that was automatically added from XXXX. On the night of XX/XX/XXXX I had the {$420.00} authorization hold and a positive account of {$75.00} and change. When I checked my balance in the morning I was - {$280.00} and change, my authorization hold was not on there and I was charged an expected {$420.00} from XXXX. I also believe that Branch Bank has XXXX blocking my ability to add my personal XXXX XXXX bank account to my XXXX Driver account because I haven't been able to add it since.

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: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

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.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding collection accounts appearing on my credit report that do not belong to me. I actively monitor my credit, and these accounts were reported without my knowledge or authorization. I have never had any involvement with or approved these accounts, and it is unacceptable and concerning to see inaccurate information associated with my name. I am requesting an immediate investigation and prompt correction of this matter without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
I was recieving money on my account and cashapp ai disable my account when i had the account for years. Saying suspecious activity when i never did anything can you all pls look into this for me i have like 3 days before my funds dissapear or return back to the sender. The amount i was recieving was like XXXX here XXXX there. It sometimes said the account i was sending funds to could be a scam.Cashapp got to fix this ai problem. I really dont care about giving out info atp but i can be contacted at XXXX. I need my account i dont have time for cashapp to try and take nothing or do anything with my funds ... my cashapp deactivated atm so i cant send account number.... smh

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 is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting rela

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA XXXX ( 15 U.S.C. XXXX ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA XXXX ( b ) ( accuracy requirement ), XXXX ( dispute process ), and XXXX ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under XXXX, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

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: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
Letter sent to Collection company XXXX XXXX requesting validation of alleged debt, I requested evidence of alleged debt, balance, including charges, original account. Requested Copy of original signed contract or agreement bearing my signature. No response received from Jefferson Capital in writing. Disputed with XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX, removed from report as Jefferson did not validate alleged debt.

Company response to consumer: Closed with non-monetary relief
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: FL

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA XXXX ( 15 U.S.C. XXXX ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA XXXX ( b ) ( accuracy requirement ), XXXX ( dispute process ), and XXXX ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under XXXX, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
1.My title company XXXX XXXX requested loan payoff XX/XX/year> and never got a response. 2. I contacted the lender last Wednesday and requested that same payoff. The lender set a one day payoff that expired the next day. 3. I called and spoke with XXXX in corporate office and XXXX states a message will be left for the supervisor to fix the issue. I close soon and I need that payoff and not for one day.

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: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

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.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Sending threatening letter to take me to court for a debt that is not mines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I am a XXXX man currently awaiting a decision on my SSDI payments, and I have XXXX income. Chime is freezing my account and completely denying me access to my existing funds. I have explained to customer service that I can not afford to purchase a physical state ID at this time. I am the legitimate owner of this account and have offered to verify my identity via my Social Security Number, date of birth, and official non-photo documentation. Chime 's front-line customer service refuses to provide any manual identity verification process or escalate my file to a compliance XXXX. They are holding my money hostage, which is causing me extreme, immediate financial hardship. I request that a corporate compliance XXXX manually review my file, verify my identity through public record security questions, and fully restore my account access so I can continue to use my Chime account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: AZ

Complaint narrative:
I am filing this complaint due to a prolonged, unresolved denial of access to my Health Savings Account ( HSA ) funds, financial disclosures, and critical XXXX tax forms by Optum Bank. I have been a customer through my employer, XXXX XXXX, since XX/XX/XXXX. For nearly 12 months, I have been completely locked out of my account due to a recurring technical error on Optum 's online portal. The portal error occurs immediately after I input my correct credentials and successfully validate two-factor authentication ( 2FA ) via my mobile phone. I have attempted resetting my password multiple times, clearing browser cookies, and using alternative web browsers as instructed by customer service agents, but the issue persists. I have made numerous attempts to resolve this issue through Optums customer service channels, during which agents repeatedly promised resolution within 35 business days. None of these commitments were met. Key interactions include : * Prior to XX/XX/XXXX : Multiple phone calls to customer service. Reference Case Number : XXXX. * XX/XX/XXXX : Sent a formal email to Optum Customer Care regarding the lockout and the lack of access to my XXXX XXXX tax forms. Optum failed to respond. * XX/XX/XXXX ( XXXX XXXX MST ) : Escalated the issue via phone to a supervisor named XXXX. Reference Case Number : XXXX. Supervisor XXXX identified that Optum had erroneously entered my date of birth, and he stated the technical team would correct this in 35 business days. As of XX/XX/XXXX, Optum Bank has failed to correct the data entry error or restore my account access. It has been over six months since I initiated formal efforts to resolve this, and nearly a year since my funds were deposited. Optum Bank is unlawfully withholding access to my deposited funds, account disclosures, and regulatory tax documentation, which severely jeopardizes my tax filing status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I am filing a complaint regarding unauthorized access to my Marcus by Goldman Sachs account and the banks inadequate response to the resulting fraud. An unauthorized party gained access to my account and withdrew approximately {$1000.00} without my authorization on XXXX. I did not approve this transaction, did not provide access to another person, and reported the issue to Marcus customer service promptly after discovering the unauthorized activity. When I contacted Marcus to report the fraud, I found the response inadequate and unhelpful. I was not given meaningful assistance, clear explanations, or confidence that the matter was being properly investigated. I am concerned that the bank failed to appropriately handle my fraud report and failed to provide the protections required under Regulation E and the Electronic Fund Transfer Act for unauthorized electronic fund transfers. Specifically, I am requesting : * A formal fraud investigation into the unauthorized access and withdrawal * Written confirmation of my fraud claim and claim number * Details regarding the unauthorized transaction and destination account * Reimbursement of the stolen funds if the investigation confirms unauthorized activity * Confirmation that my account has been secured against further unauthorized access I have acted promptly and in good faith to report this issue. The unauthorized withdrawal has caused financial harm and significant stress, and I believe Marcus has not handled the matter appropriately or with sufficient urgency. I request that the CFPB assist in ensuring that Marcus conducts a proper investigation and complies with all applicable consumer protection laws regarding unauthorized electronic fund transfers.

Company response to consumer: Closed with explanation