vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 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: CITIBANK, N.A.
State: TX

Complaint narrative:
A Best Buy credit card account was opened in my name without my knowledge or authorization. This account was opened in a physical store location that I was not present at. This was opened in store XXXX on XX/XX/year>. I contacted Citibank fraud support and was informed that the Social Security Number and date of birth associated with the account do not match mine. Despite this, my fraud claim was denied and the account was not properly resolved. I have filed an Identity Theft Report with IdentityTheft.gov and submitted supporting documentation, including my credit report, which does not show this account. I am requesting that this case be reopened and investigated as identity theft, as the identifying information used does not belong to me and I did not authorize this 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 explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint to formally dispute Cash App 's failure to adhere to mandatory XXXX ( Know Your Customer ) and XXXX ( Anti-Money Laundering ) regulations. On XX/XX/year>, Cash App allowed me to purchase {$3000.00} worth of Bitcoin via their mobile application without completing the required identity verification process, which they are legally obligated to perform before high-risk transactions. Upon attempting to sell the assets, I discovered a clerical typo in my personal information, which has prevented Cash App from verifying my identity post-purchase. Instead of resolving the clerical error, Cash App is refusing to verify the account, preventing the sale of the Bitcoin, and is forcing me to close the account, effectively seizing the {$3000.00} invested. Legal and Procedural Failures by Cash App : 1. Failure of Mandatory KYC/AML Verification : Per standard financial regulations, Cash App must verify full name, date of birth, and SSN before allowing Bitcoin purchases. Allowing a {$3000.00} purchase unverified is a violation of their compliance commitment. 2. Negligent Mismanagement of Funds : By allowing the funds to be trapped due to a preventable clerical error, Cash App is violating the fiduciary duty to secure user assets. 3. Refusal to Reconcile : Instead of offering a remedial process to correct the user 's name/typo, they are attempting to lock me out of my funds. I have already reported this to the CFPB and FTC, but Cash App continues to mark these complaints as 'solved ' without any action to return my funds. As of now, I am unable to access my {$3000.00}. I requested that Cash App immediately rectify the clerical error in my identity verification and allow me to sell the Bitcoin, or return the equivalent funds to my linked bank account, but no action was taken. The only solution offered was for me to close the account and forfeit the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
IRS requested Paypal XXXX and Financial Summary Reports of XXXX Year, i requested from Paypal, called XXXX times, used their chat service but they refuse to send me any information. IRS gave me deadline and over XXXX days i am struggling to get this information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-05-07 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: CITIBANK, N.A.
State: NC

Complaint narrative:
b'4/13. Got a call asking me to verify or deny a charge that came from Mexico for XXXX XXXX. He said he would reverse it. Foolishly I gave him access to my digital wallet, then as the authorizing numbers came through must have been when the charges were made. A total of 3 CC accounts were fraudulently charged and my checking account. 4 charges in each one stating they were from XXXX XXXX I notified each bank within 24 hours. I wasnt able to print out 4/13 transactions but have them listed in my handwriting. Banks involved- XXXX XXXX, checking, CC banks, Citi, XXXX XXXX and XXXX. Disputes with each company again, were reported by phone within 48 hours. All but one has reversed the charges pending investigation. I have reported it to XXXX County number XXXX and the State of NC XXXX and the FTC XXXXXXXXand now reporting to you. I have letters prepared to go to each company with requesting a supervisors review, removal of charges and supplied complaint numbers for those organizations I have reported this to. The list of charges equals more than 16. I can list them for you as I have not been able to print them out. I do have photos of all the amounts, I have written down myself. Any assistance you can provide would be extremely welcome. Thank you and please dont hesitate to contact me. Oh and I am XXXX years old.the form only allows me to submit one bank and charge number. The other banks are XXXX XXXX XXXX XXXX Checking account, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX last 4 digits XXXX. Amounts for each listed in the attachments. Thank you'

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 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am disputing the accuracy of my federal student loan balances, accrued interest calculations, and aggregate loan limit reporting. My student loan history includes : multiple federal consolidations multiple servicers historical XXXX servicing XXXX XXXX XXXXXXXX XXXX related loans borrower defense discharge related activity After reviewing my XXXX records, I believe discharged or discharge eligible XXXX related balances and associated accrued interest may not have been properly reconciled following consolidation activity. I am requesting : a complete life of loan accounting borrower defense discharge accounting accrued interest adjustment history capitalization history consolidation allocation calculations aggregate loan recalculation worksheets correction of any inaccurate aggregate loan reporting This issue is now interfering with my ability to continue doctoral studies because current aggregate loan calculations may be inaccurate. I am requesting a full audit and correction of my federal student loan account. I contacted them and they said I have to contact XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nationwide Credit Corporation
State: MD

Complaint narrative:
On XX/XX/XXXX, my mother received the following text message : " Hi, XXXX XXXX XXXX XXXX XXXX XXXX. This text is from Nationwide Credit XXXX, a Debt Collector about your unpaid balance with XXXX ( XXXX XXXX XXXX XXXX. To Pay or review Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Questions : Email : XXXX or call XXXX. Your rights : XXXX XXXX XXXX. # of Msgs Varies Msg & DataRatesMayApply. To optout of texting reply STOP '' This message revealed to her that they were a debt collector and that I had debt. My phone number has not been associated with her in almost a decade. I have received, the same message from them recently, meaning they are sending to this message out recklessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I opened case XXXX previously because USAA restricted XXXX accounts without any just cause, warning or purpose. The accounts were subsequently unfrozen when they received my CFPB complaint, but today XX/XX/year> they were restricted yet again. I believe they froze them once again to trick CFPB into believing they remedied the issue when they did not.

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 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair 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. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am disputing this account because I believe the information being reported by Portfolio Recovery Associates is inaccurate and/or incomplete. I requested proper validation and verification of the alleged debt, including documentation showing I am legally responsible for the account and proof of the amount being reported. At this time, I have not been provided with a signed agreement or contract bearing my signature showing that I entered into a legally binding agreement for this alleged debt. I also have not received sufficient documentation proving ownership of the account or the accuracy of the balance being reported. Despite this lack of verification, the company continues reporting the account on my credit reports, which is negatively affecting my credit score and financial standing. Under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, I am requesting a full investigation into this matter. If the company can not provide proper verification, signed documentation, and accurate records supporting this alleged debt, I request that this account be removed from all credit reporting agencies immediately. I also request copies of any documents, agreements, payment history, account transfer records, or other evidence being used to verify this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NC

Complaint narrative:
My phone and wallet was stolen XXXX while I was sleeping in a hotel at the XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Where the person who stole my phone and wallet made a transfer for XXXX $ to theirselves and left my account with chime in a negative balance. I reached out to chime in regards of this matter to dispute the claim and provided the police report and as much documents that I could to have it resolved but they denied my claim over and over and told me Im not getting my money back at all please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
Im writing to file a complaint against JEFFERSON CAPITAL LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
XXXX Veteran ( seller ) initiated an Assumption Loan with Onity XXXX XXXX VA XXXX Loan Package available to sellers ( mailed ) XXXX VA XXXX Loan Package available to buyers ( one buyers name was misspelled on the documents ) XXXX called Onity to verify I should proceed with completing the loan package even though my name was misspelled. Confirmed yes. XXXX files were sent via email in mail drop due to the size of the files. Onity does not have an online portal where documents can be submitted. They can only be submitted via email, fax or mail. ( Documents requested totaled over XXXX pages ) XXXX Buyer resubmitted XXXX package via XXXX separate emails due to the size of the file. XXXX Seller was notified the XXXX team was unable to open the mail drop file due to not being able to open outside attachments. This was a day after the files had been re-submitted and a confirmation email received. XXXX Received an email from the XXXX XXXX re : missing documents and additional documents they needed buyer/seller to complete. Why were these not included in the first round of documents? XXXX Buyers emailed requested documents back to Onity XXXX Buyers resent documents sent on XXXX to a new email address after Onity reached XXXX to the Seller. Buyers were completely unaware of an additional email address the files needed to be sent to. XXXX Received and email stating that the documents were received and being reviewed by Onity . XXXX Received an email from Onity that they were reviewing the documents and they would respond by XXXX if the documents were complete. Once all documents have been confirmed as complete, it could be an additional 60 days to complete the VA assumption process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have repeatedly disputed these collection accounts with Equifax and requested the Method of Verification along with documentary evidence supporting the alleged debt. Despite my requests, Equifax continues to claim the accounts were verified while refusing to provide competent documentation showing how the investigation was conducted or what records were relied upon. Meanwhile, these same disputed collection accounts were deleted from my TransUnion credit report following investigation, demonstrating inconsistent reporting between credit bureaus and raising serious concerns regarding the accuracy and reasonableness of Equifaxs investigation procedures. Equifax has failed to provide : Any signed agreement or contract bearing my signature Any billing statements or itemized accounting Any proof of ownership or assignment of the alleged debt Any payment history Any explanation of the actual verification process used Simply stating that an account was verified without providing evidence does not satisfy the requirements of a reasonable reinvestigation under the Fair Credit Reporting Act. I requested the Method of Verification pursuant to the Fair Credit Reporting Act, yet Equifax failed to explain how the account was verified, who verified it, or what documentation was reviewed during the investigation. If Equifax can not provide competent documentary evidence demonstrating how these accounts were verified, then the accounts must be deleted immediately from my credit file. I am requesting immediate deletion of the disputed tradelines and full compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My mortgage company Shellpoint Mortgage did not pay my XXXX property taxes due XX/XX/XXXX. My taxes were sold. I found this out after i paid my mortgage off and started paying property taxes directly. I contacted the company and they kept telling me there is nothing they can do since my mortgage is paid off and im no longer a client. i owe XXXX because they didn't pay XXXX in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
b'Commercial Acceptance Company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX representative called regarding an urgent care bill. She asked if I lived at XXXX XXXX XXXX XXXX and I stated no I havent lived there for almost 3 years. She said theres an outstanding balance for an XXXX XXXX for my son. I asked her to send me proof of the debt to my correct address so I can validate it. She said no I will not we already sent that. I reiterated possibly but to an incorrect address. I need to confirm if its a valid debt. Again she refused stating she will put me down as refusal to pay on a recorded line. She kept speaking over me and would not allow me to speak. I said on a recorded\nLine I am requesting you to resend the information. Again she refused and said I am not going to go back and forth with you. Call back when you are ready to pay your bills.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I tried to apply for an assumption to remove a person off of my note and they denied me after fianly getting Freedom Morgage to allow me to apply for a mdidification after approving me for 2 loans that wasnt a modification and once I was abale to get the right rep to listen to me and i had to file a complaint with the banking commision and still that didnt work. I had to beg a rep from Freedom to listen and that rep sent a email to the right person and they gave me the paper work to fill out by by them not giving me the correct modification first casne me to be behind and now denied the assumption program.

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 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair 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. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair 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. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I. SUMMARY OF NEW EVIDENCE This complaint is being submitted with new, detailed forensic accounting evidence, including specific journal entries and a verified trial balance, proving a ledger discrepancy on the XX/XX/XXXX statement. XXXX XXXX previous responses ( including the letter dated XX/XX/XXXX ) have failed to address this specific line-item data, instead discussing an unrelated auto loan. II. THE ACCOUNTING PROOF ( TRIAL BALANCE ) A manual audit of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( ACH records ) versus the Wells Fargo Ledger reveals a Double-Debit Error. Verified Trial Balance ( Audit Period : XXXX XXXX XXXX ) XXXX ( Debit ) Claimed as Purchases/Adjustments {$11000.00} Cr. ( Credit ) Actual Cash Received XX/XX/XXXX {$6000.00} Net Variance Unexplained Variance {$5800.00}

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