vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XX/XX/XXXX I made my final ever purchase on card ending in XXXX. I have not made a single purchase using this card or on XXXX since then. Synchrony closed this account and refuses to provide me with the transactions on this account, so the rest of this information is from my note taking last year and my bank statements. XXXX XXXX many fraudulent charges were made on the XXXX store XXXX without my knowledge. I do not know how my information was compromised, but I suspect a password leak. It seems all charges on the card were from XXXX marketplace- it should be easy for Synchrony and XXXX to determine who's XXXX account was using my card. It was not my XXXX account, again I have not made a purchase on XXXX or using this card since XX/XX/XXXX. XX/XX/XXXX I made a XXXX payment for a bill on purely fraudulent charges on the account ( bank statement attached ). XX/XX/XXXX I became aware of the fraudulent charges and I made my first call disputing all charges past XX/XX/XXXX. The account was closed, and even though I specifically requested to not have a new account opened, a new account was created and was immediately compromised leading to more fraudulent charges. During a call in XXXX of XXXX, everyone I spoke to only had record of XXXX disputed charge, on the second account that I had asked not to be created. I made XXXX or XXXX follow up calls, at least XXXX of which during I went over all of the charges an additional time. I did this a final time on XX/XX/XXXX. After that I also mailed a form provided by Synchrony with all the same details, and never received a response. So to recap, literally nothing was done about the fraudulent charges on the first account, they didn't even have record of my multiple calls about it. Then after asking to NOT create a new account, they did so anyway and that account had more fraudulent charges. Clearly at no point did anyone look into who was making these charges using my card on their XXXX account. I have received communication on XX/XX/XXXX that my fraud claim was approved for the second account, however there is still a large negative balance on an account, which is fully made up of the fraudulent charges I have disputed. I was also told on the phone that XXXX that was approved from fraud on the XXXX card was credited to the second account, but it was lumped in with all the fraudulent charges and there is still a balance on the account of around {$600.00}. I have still spent that XXXX and not received a refund, only a credit back to an account with a large balance from fraudulent 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 2026-03-18 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: SC

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Cash App regarding missing funds and account issues. I logged into my original Cash App account and found that my transaction history and/or balance were missing. I did not authorize any transfers or changes to my account. Despite using my correct email and phone number, my account appears empty and my funds are not accessible. I attempted to resolve this issue through Cash App support, but I have not received a helpful response or resolution. I am requesting that Cash App : Investigate my account for unauthorized access or errors Restore my missing balance and transaction history Provide a full explanation of what happened to my funds Account details : Name : XXXX XXXX XXXX Email : XXXX Phone : XXXX Cashtag : Approximate amount missing : XXXX Date issue noticed : XXXX This situation has caused financial hardship, and I need this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: AZ

Complaint narrative:
I received a debt collection letter from XXXX XXXX XXXX dated XX/XX/year>, regarding an alleged debt of {$130.00} originating from XXXX through XXXX XXXX ( Reference Number XXXX, Account Number XXXX ). I am disputing this debt in full because I was under XXXX years of age at the time of the original transaction. Under the legal infancy doctrine, contracts entered into by minors are voidable, and I am exercising that right. I attempted to submit my dispute through XXXX website at XXXX before the XX/XX/year> deadline, but the form returns a captcha error and can not be submitted. I am therefore filing this complaint as a record of my dispute and to report that their required dispute portal is non-functional. I am requesting that all collection activity cease and that this debt be removed from any associated records.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: WLCC
State: CA

Complaint narrative:
I started to receive text messages and emails. I finally responded back through text a cease and desist all communication. Im still receiving text messages and emails threatening tactics. Not once have I received a pre lien notice in the mail or any other notice in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: MD

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was approved for a PayPal Credit account with a {$1500.00} credit limit. Since approval, I have been completely unable to use the card for any purchases. I have attempted transactions at over 20 PayPal Credit-approved merchants, with items well below my credit limit. Each time, I am directed to the PayPal Credit checkout screen, I select pay, the window refreshes, the PayPal Credit card becomes greyed out, and I receive an error stating the payment method is unavailable. This issue occurs consistently across every merchant attempted. I have contacted XXXX customer service and PayPal Credit customer service separately, as they operate on different phone lines with different support teams, as well as Synchrony Bank, a minimum of four times each over several weeks. During each call, agents repeatedly suggested that the merchants I was attempting to use were not approved PayPal Credit merchants. This is factually incorrect. Every merchant I attempted is listed directly on PayPal 's own website as an approved PayPal Credit merchant, and each merchant displays the official PayPal Credit branded checkout button on their platform. I was not attempting to use PayPal Credit at unauthorized retailers. I was using it exactly as PayPal instructs customers to use it. During each call, I explicitly requested that a technical investigation be opened and a support ticket be created to track the issue. Every agent stated they were unable to open a ticket, create a case, or initiate a formal investigation. No ticket number, case number, or reference number was ever issued across any of my calls with XXXX, PayPal Credit, or Synchrony Bank. As a result, I was forced to re-explain the issue from the beginning every single time I called, with no continuity, no accountability, and no progress. There is no record of my repeated attempts to resolve this issue on any of their end despite weeks of contact. Despite being separate departments, each call results in the same outcome : XXXX transfers me to PayPal Credit, PayPal Credit transfers me to Synchrony Bank, and Synchrony Bank redirects me back to PayPal. No party has taken ownership of the issue, opened a technical investigation, or provided a resolution timeline. I have been caught in this loop for weeks with no resolution. I also contacted XXXX XXXX Executive Escalations department directly and received no guidance or follow-up. I am being denied access to credit I was approved for, with no explanation and no resolution path. I am requesting that the CFPB compel XXXX, PayPal Credit, and Synchrony Bank to identify the technical cause of this failure, resolve it, and provide written confirmation of the cause and resolution.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding multiple debt collection agencies that appear to be engaged in a pattern of unlawful debt collection activity and credit reporting violations, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I formally disputed the alleged debts listed above and requested validation pursuant to 15 U.S.C. 1692g of the FDCPA. Under federal law, once a consumer disputes a debt, a debt collector must cease collection activity until proper validation has been provided. Despite receiving my dispute, these companies have failed to provide legally sufficient documentation demonstrating that I have any contractual or legal obligation for the alleged debts. Specifically, the companies failed to provide : A copy of the original signed agreement creating the debt Documentation showing the complete chain of title for the alleged account A bill of sale or assignment demonstrating lawful ownership of the debt A complete accounting of the balance claimed Documentation establishing legal authority to collect the debt Instead of validating the debts, these companies appear to be continuing collection efforts and/or furnishing information to consumer reporting agencies without verifying its accuracy. This conduct may constitute willful noncompliance with federal law, including, but not limited to, violations of : Fair Debt Collection Practices Act : 15 U.S.C. 1692g Failure to validate a disputed debt 15 U.S.C. 1692e False or misleading representations regarding a debt 15 U.S.C. 1692f Unfair or unconscionable collection practices 15 U.S.C. 1692c Improper collection conduct following a written dispute Fair Credit Reporting Act : If these companies are furnishing information to consumer reporting agencies without proper verification, this may constitute violations of : 15 U.S.C. 1681s-2 Furnisher duty to provide accurate information 15 U.S.C. 1681e ( b ) Requirement to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i Failure to properly investigate disputed information Additionally, furnishers of credit data are required to follow XXXX XXXX XXXX XXXX XXXX Guide standards when reporting accounts. Reporting inaccurate, incomplete, or unverified information may constitute regulatory violations and may expose the furnisher to civil liability. Based on the actions described above, it appears that these companies may be engaging in a pattern and practice of regulatory violations, including attempting to collect debts without proper documentation and furnishing potentially inaccurate information to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding an account reported by Midland Credit Management Inc. that does not belong to me and is the result of identity theft. The account, opened on or about XXXX XXXX, 2021, with a reported balance of approximately {$700.00}, was fraudulently created without my knowledge or authorization. I did not apply for, open, or use this account at any time. I have disputed this account with the credit reporting agencies, and the account is currently marked as disputed by consumer. However, despite my disputes, Midland Credit Management Inc. continues to report this inaccurate information on my credit report. As a victim of identity theft, I am requesting that this account be properly investigated and permanently removed from my credit file under my rights provided by the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting is negatively affecting my credit and financial opportunities. I am requesting that Midland Credit Management provide verification of this debt. If they are unable to provide valid proof that I am responsible for this account, it must be deleted immediately. I have not received sufficient documentation proving that this account belongs to me. I am requesting the following : Immediate removal of this fraudulent account from all credit reporting agencies Written confirmation that the account has been deleted A full investigation into how this account was reported under my name Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I saw an advertisement for a Marcus by Goldman Savings on their website. It offered {$1500.00} cash bonus for signing up, depositing {$100000.00}, and maintaining that balance. I followed the link on the specific promotion webpage hosted on Marcus website to signup for account ( see screenshot ), called the phone number on the checklist to get the promo ( see screenshot ), spent time verifying the account on the phone with multiple different reps ( see call log screenshot ), made the required {$100000.00} deposit, only to find out the promotion was not applied. I signed up using the link on their website and called the phone # listed on the checklist. I assumed those two steps had me covered. They are claiming there was some extra step which was not apparent, I feel this is deceptive. They refused to simply rectify it by applying the promotion that I was eligible for. The account setup process required me to jump through extra hoops on the phone repeating the same stuff with multiple reps, I feel was a waste of my time, inefficient, and poor process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MS

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Eastern Account Systems, 3 corporate XXXX XXXX, XXXX XXXX, This company is showing this debt of {$94.00} on my credit file. This inaccurate debt is damaging my credit score. Can you please have them provide you and myself with proof of this alleged amount, date of the alleged amount, the hard copy of my signature of this agreement and original creditor. If this can not be validated, then please have this removed from my credit file. Thank you so much for your help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX ( XXXX time ), I initiated an instant transfer through Square in the amount of {$1500.00}. The transfer is marked as Completed in my Square account. However, the funds have not been received in my bank account. I contacted my bank, and they conducted a formal investigation. The bank officially confirmed that : No funds were received No deposit is pending No incoming transfer exists related to this transaction I provided this confirmation to Square. Despite this, Square has failed to locate the funds, initiate a proper trace investigation, or provide any clear explanation of where the money is. I have been trying to resolve this issue for over 8 days, have communicated with more than 30 agents, and repeatedly provided the same information and documentation without any resolution. Due to this issue, I have experienced financial loss, disruption to my business operations, and loss of income. At this point, I am requesting immediate action : Initiate a full trace of the transfer Identify the exact location of the funds Return the funds or complete the transfer without further delay

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OK

Complaint narrative:
Square ( Block, Inc. ) deactivated my account and held {$490.00} of legitimate business funds. In their written response ( including a XXXX complaint response ), Square explicitly stated that my funds would be released on XX/XX/year>. That date has now passed, and the funds have not been deposited. There have been : - Zero chargebacks - No fraud claims - No disputes - No specific violation identified Despite this, Square continues to withhold my funds beyond the stated release date without explanation. This is no longer a matter of a standard reserve hold this is a failure to release funds as promised. I am requesting : - Immediate release of the {$490.00} - Written explanation for failure to release funds on the stated date - Confirmation that no additional funds will be withheld or debited

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing several items on my Equifax credit report because I have not received proper validation or documentation proving that these debts are accurate, owed, or legally collectible. The collection/charge-off accounts in question are XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and the late payments are reported on XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite previous disputes, I have not been provided original signed agreements, detailed payment histories, itemized balances, or sufficient evidence that these accounts are accurate. The continued reporting of these items may be due to errors in reporting or a possible data breach. Under 15 U.S.C. 1692g ( FDCPA 809 ), I have the right to request validation of any alleged debt. Under 15 U.S.C. 1681i ( FCRA 611 ), Equifax is required to reinvestigate and correct or remove any information that can not be verified. For late payments, under 15 U.S.C. 1666b, any incorrectly applied payments must be corrected. Generic responses claiming the debts are verified are unacceptable ; I am requesting full, detailed documentation to validate each account.

Company response to consumer: Closed with non-monetary relief