vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
On XX/XX/year> I fell victim to a phishing verify identity and set up payment scam on XXXX. I clicked the link and all of a sudden my XXXX was hacked with a company called XXXX making a XXXX, and XXXX separate XXXX dollar transactions on my XXXX. I never authorized any transactions to happen. I disputed this with XXXX and My bank and unlinked all of my payment info with XXXX. Luckily XXXX XXXX was able to get my money back and successfully filed all of the disputes and put a stop payment on the XXXX. XXXX claims I still owe XXXX to them to re open my account even though they allowed my account to be hacked even after all my disputes have come back as correct for fraud and XXXX agreed to cover the charges. XXXX has nothing more to do with it. Just XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
XXXX, requested mortgage assumption paperwork. The documents arrive XXXX weeks later. ( XXXX month process ). Ask what information is required for some XXXX theat is not VA to take over VA Mortgage. The associate says it is just the basic loan packet. Nothing from the VA packet is required. So we send in the documents on XXXX XXXX we hear nothing for XXXX weeks. Call to request the status of the documents. the request has been denied. Ask who was informed that the documents have been denied. They said a letter was sent out. Not letter was received. Asked what was required and i was told " Everything '' what everything. they sent out another packet with no explanation. i called and asked what was needed, got hung up on. I called again and asked what paperwork was needed and i was told that we needed to provide the VA XXXX. This is now XX/XX/XXXX, the VA document were then provided and I followed up on XXXX XXXX and was told the loan packet was denied and i asked why. they said the document have not been provided, I said what is missing? the lady said they are missing the VA documents that have been provided to them multiple times to multiple email addresses. After a moment of checking the associate was able to find the multiple emails and she said that she would call me if the information was what they were missing. Nothing. They are playing games, they do not want to process the paperwork. They have not done any credit checks on the assumer.... NOTHING has been done since XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Im writing to file a complaint against ALDOUS 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 explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other 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: Markoff Law LLC
State: IN

Complaint narrative:
Markoff Law LLC is a " debt collector '' as defined by 15 U.S.C. Section 1692a ( 6 ). By executing a garnishment in XXXX based on a non-domesticated, XXXX judgment obtained without proper service of process, Defendant has violated the following provisions of the FDCPA : 15 U.S.C. Section 1692i ( Venue ) : Markoff Law LLC brought and is enforcing a legal action in a jurisdiction where I do not reside and where the underlying agreement, if any, was not signed. 15 U.S.C. Section 1692e : Markoff Law LLC has used false, deceptive, and misleading representations in connection with the collection of a debt, including representing to my employer that a valid, enforceable garnishment order exists when the underlying judgment is fraudulent. 15 U.S.C. Section 1692f : Markoff Law LLC has used unfair and unconscionable means to collect a debt, including executing a garnishment based on a judgment obtained through fraudulent service of process and without proper domestication in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2026-06-10 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a victim of a fraudulent scheme in which I was deceived into purchasing counterfeit luxury goods ( XXXXXXXX XXXX XXXX ) for {$4000.00} using my American Express card to fund XXXX transactions. The seller utilized AI-manipulated authentication documents to commit this fraud. I have officially filed a police report with the XXXX Police Department ( XXXX # : XXXX ). Despite providing evidence of this fraud to American Express, the initial dispute was denied. This decision is unreasonable as the charge was induced through criminal activity. As a consumer, I relied on American Express 's fraud protection policies. The failure to secure my funds against documented criminal deception is a significant failure of service. I request that American Express : 1 Re-open the dispute for these charges in light of the official police report ( Case # : XXXX ). 2 Recognize that this transaction was fraudulent and not a simple 'unauthorized use ' or 'disagreement ' case, but a criminal fraud incident. 3 Facilitate a refund of the {$4000.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On Friday, XX/XX/XXXX, I went to XXXX with my children to purchase groceries. My debit card was not working. I called Huntington National Bank to find out what was going on because I had just been paid XXXX XXXX before. They informed me my debit card had been locked because I had a series of fraudulent charges on my account at XXXX that morning to some company in XXXX. They told me they had allowed XXXX charges to go through ( totaling roughly {$1200.00}, my entire pay check ), but had stopped them when they tried to put through a fourth charge. They ordered me a new card and said I had to wait until Tuesday, XX/XX/XXXX, to dispute the charges and potentially receive a provisional credit. I called again when I got home and they then told me to contact the business where the charges took place. I tried to XXXX this company on my account and they appear to be fake because nothing came up. I stopped by my local branch on the afternoon of Friday, XX/XX/XXXX, and they put a stop payment on the charges. This did not work. I awoke this morning to a notification that I had overdrawn my checking account because Huntington charged me international fees for the fraudulent charges they allowed to hit my account. Although I am registered for fraud alerts and other alerts from the bank, they sent me nothing about these fraudulent charges and have not issued me any credits. I'm not sure what else to do. I have filed a police report and opened a new checking account with a different bank, but this was all the money I had for the month and they just let it disappear. Please help me. I have an attached a screenshot of the fraudulent charges as well as the " international fees '' Huntington charged me for them. In addition, I've attached my dispute form with the police report number on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have been attempting to get a refund from a Capital One credit card credit. When I made my initial request for the credit on XX/XX/year>, I was told that I would receive a check for XXXX within 10 business days. I did not receive the check, I contacted the Capital One customer service to find out the status of the check, and they told me that it had been sent out but was not showing cashed. They told me that they would send me another check that would take between 10 to 15 business days. I asked them if they could send me the funds electronically and was advised that they could not. I strongly feel that I am not being treated equitably. They are able to hold my funds for an extended period rather than getting me the funds in a reasonable time. I asked the customer service representative what if the second check does not arrive? I was told they would send me another check. Please note that the Capital One policy indicates that a credit refund would be initiated within two billing cycles or upon request from the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My XXXX XXXX XXXX daughter has a XXXX banking account. The social security number I provided when opening the account was XXXX digit off. The bank locked her account because of this and required verification of her SS card even though they never required a ss card when i opened her account. She continued to get her XXXX XXXX XXXX XXXX paycheck directly deposited but was unable to access all her money for many months. The bank sent me a letter saying they would just transfer the funds into my account since I am the adult listed on the account but then refused to do that when requested. We had lost my daughters SS card so couldnt provide it to them as evidence immediately. Only after more months I was able to get a replacement social security card and my daughter took off from school to drive to the town where the bank is and we provided the card and her passport and they said the lock on the account would be removed in a few days. Its been over XXXX weeks on XX/XX/XXXX. I tried calling again and tired of dealing with this nonsense. I have XXXX XXXX XXXX of dollars in their bank and have been a customer for over XXXX years but they closed the branch in my town anyway and this experience was terrible so I will be closing all of my accounts with them and taking my business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
XXXX XXXX On my behalf of my security this company has violated this laws, ( 15 usc 16666 ) 15 us 6802/15 use 680 ( 15 usc 1692g/15 us 1692 c ( c ) ( 15 usc 6802 /15 usc 6801 ) Inquries ( 15 usc 16816 ) i have not had ownership of this account Account Numbe XXXX Also, 1 did not agree for this company to share my personal information or contact me via email, text, etc. This is a direct violation of my privacy and we will be taking legal action if this account does not get deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
I keep receiving phone calls from debt XXXX every 6 months saying I owe a debt from XXXX. The only thing was paid in XXXX. Every time someone calls they threaten me with lawsuits and saying they work for XXXX XXXX, which is XXXX XXXX I live in. In fact they dont work for them and they have threatened my wife, my mother and my children

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Im writing to file a complaint against Credence Resource Management , 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 2026-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and harmful rental information being reported by Experian Rent Bureau, which operates under Experian Information Solutions Inc . Experian Rent Bureau is currently reporting rental-related information on my credit file that is inaccurate, incomplete, and/or unverifiable. I have disputed this information, yet Experian has failed to conduct a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting is significantly impacting my ability to secure safe and stable housing, causing financial and emotional distress. Additionally, Experian is reporting incomplete lease documentation and/or outdated information that does not reflect my current or accurate rental history. Under 15 U.S.C. 1681i, Experian is required to conduct a reasonable reinvestigation of disputed information. Furthermore, under 15 U.S.C. 1681e ( b ), they must ensure maximum possible accuracy of the information they report. Their failure to correct or delete this inaccurate information is a direct violation of these federal laws. The information being reported is inaccurate, including the use of an outdated lease and incorrect tenant information. If you are unable to provide proper verification, this account must be deleted immediately. I have submitted a report to the Federal Trade Commission regarding inaccurate reporting. Please provide this information within 5 days.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
On recent days, U.S. Bank unexpectedly closed my bank account without any prior notice. There is a remaining balance on the account, which is my personal property and livelihood. The bank representatives have verbally confirmed the exact amount to me over the phone.I reside in a state where there are no physical U.S. Bank branches, making phone communication my only option. When I contact customer service, different representatives provide conflicting and contradictory information regarding the status of my money and the timeline for its return. Most recently, an agent stated that I would receive a letter within 10 days outlining the timeline for my check, rather than releasing my funds immediately or providing a clear dispatch date for my Cashier 's Check.U.S. Bank is wrongfully withholding my funds, causing me severe financial hardship, and failing to provide consistent, transparent updates.

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 2026-06-10 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:
Portfolio Recovery A impersonating as original creditor! Wrongful collection tactics calling relatives and demanding payments!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
Subject : Request for CFPB Assistance Mortgage Servicer Refuses Loss Mitigation Based on Undisclosed Investor Restrictions I am submitting this complaint regarding Select Portfolio Servicing, Inc. ( SPS ) and its handling of my mortgage assistance request. I fell behind on my mortgage due to financial hardship but have consistently attempted to work with SPS to identify a reasonable home-retention solution. My objective has always been to retain my home and resolve the delinquency. I submitted a loss mitigation application and subsequently appealed SPS 's determination. On XX/XX/year>, SPS responded to my appeal and stated that several loss mitigation options, including a Trial Modification Plan and Deferral Plan, were unavailable. SPS further stated that it is required to service the account according to the requirements of the noteholder and that the requested assistance options are not available under the governing servicing agreement. However, SPS did not identify : The owner, investor, or noteholder of the loan ; The specific investor guidelines or servicing restrictions relied upon ; The contractual provisions that allegedly prohibit available loss mitigation options ; Whether any portion of the delinquency may be deferred, capitalized, subordinated, or otherwise treated to facilitate reinstatement ; What home-retention options remain available, if any. I am concerned that SPS has effectively denied available assistance based on unspecified investor restrictions without providing sufficient information for me to understand, verify, or challenge the determination. I am requesting CFPB assistance in obtaining : 1. Identification of the current owner, investor, or noteholder of the loan. 2. Identification of the specific investor guidelines, servicing requirements, or contractual provisions relied upon in denying loss mitigation options. 3. Confirmation that SPS has reviewed all available home-retention alternatives permitted under the governing servicing agreement. 4. A detailed explanation of any options that may permit reinstatement, deferment, capitalization of arrears, repayment arrangements, or other foreclosure-avoidance solutions. 5. A complete and current reinstatement quote, including a breakdown of all fees, costs, advances, escrow shortages, legal expenses, and other amounts claimed due. I am not seeking special treatment. I am simply seeking transparency regarding the basis for SPS 's decision and a full understanding of any available options to avoid foreclosure and retain my home. Thank you for your assistance in reviewing this matter. XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX Account Number Ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This entry appears without any supporting records linking it to 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 non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Thaxton Investment Corporation
State: VA

Complaint narrative:
SOUTHERN FINANCE this XXXX accounts have been pay off XXXX XXXX On my behalf of my security this company has violated this laws, ( 15 usc 16666 ) 15 us 6802/15 use 680 ( 15 usc 1692g/15 us 1692 c ( c ) ( 15 usc 6802 /15 usc 6801 ) Inquries ( 15 usc 16816 ) i have not had ownership of this account XXXX XXXX Also, 1 did not agree for this debt collector company to share my personal information or contact me via email, text, etc. This is a direct violation of my privacy and we will be taking legal action if this account does not get deleted.delete the 2 accounts out my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I have Wells Fargo as a checking account. I was recently a victim of debit card fraud. Someone illegally used my card to buy something from XXXX for {$2500.00} and sent it to a hotel near my home. When I filed the claim they said there was no fraud and wont give me the money back. I would like to file a complaint against Wells Fargo so they will refund me. Also, XXXX for not verifying my billing address was correct.

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