vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
We have been HSBC clients since XXXX. On XX/XX/XXXX, HSBC reached out via email (! ) to inform us that they were seeking to terminate our client relationship by XX/XX/XXXX. it is worth mentioning that we were seldom using their services since we had experienced tremendous issues with Online transaction login and authorized profiles creation since inception. We were predominantly using the line of credit attached to the business checking account. In XXXX, we were still awaiting reach out from banker when we were told that process was a bit delayed and XXXX take longer than anticipated. - By XXXX/XXXX/XXXX, we had fully fulfilled our obligations and line of credit was repaid. We sought to request closing of account and closing of LOC. We were told we needed to submit a formal written request. This formal written request ( attached pdf ) was emailed on XX/XX/XXXX, account balance was then {$890.00}. - On XX/XX/XXXX, we were informed that we needed to bring our checking account balance to {$0.00} so that they could proceed with closing of account. We tried to ACH the balance towards to another financial institution but could not complete the transaction since they had disabled the Online verification profile that would have permitted this transaction. In the meantime, we had been charged monthly banking fees, account balance was now {$780.00}. - On XX/XX/XXXX, We tried to draw a check for {$780.00} and were later informed by the bank were it was presented ( XXXX ) that check had been rejected by HSBC. - On XX/XX/XXXX, account balance was now {$700.00}. We reached out to HSBC and inquired as to why we were unable to close account. - On XX/XX/XXXX, XXXX XXXX XXXX emailed and asked if a XXXX meeting could be arranged. - On XX/XX/XXXX @ XXXX EST, I had a XXXX meeting with XXXX XXXX. XXXX XXXX appearing sympathetic to our issues and promised the closing of account and refund of past 3 months ' banking fees ( XXXX, XXXX and XXXX ) we had been unduly charged. I was also told that our own check had been rejected because we had NOT suscribed to a PAYING Service called XXXX XXXX XXXX XXXX ( $ XXXX min. ) which they had been heavily pushing in XXXX. We had declined the service since we were seldom using the account and then we told it would be terminated. As a consequence, they had elected to reject ALL checks which would be presented (! ). XXXX XXXX told us HSBC would exceptionally give us our funds via a check that would be mailed to address on file. - On XX/XX/XXXX, no check has been received and I reached out via email to XXXX XXXX to inquire. - On XX/XX/XXXX, we are told that we will be mailed a check for {$620.00} + {$30.00} of banking fees that were charged on XX/XX/XXXX -- > total {$650.00} reneging on his promise made on XX/XX/XXXX

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

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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have an account with Synchrony/OnePay Walmart Card . I spoke with XXXX XXXX, Credit card specialist, on XX/XX/XXXX regarding my account. I made a payment of {$150.00} on XX/XX/XXXX thru PSECU, by bank, and was told that it was never received. I also made a payment on XX/XX/XXXX and was told it was not received so i made another payment of {$100.00} and it went thru. I had already made the required monthly payment for this month so these were just additional payments i chose to make. On my app, it still shows as a pending payment on their end. I spoke with my bank, PSECU and they show that indeed this payment was processed to them. XXXX told me to get a copy of the proof from my bank that this payment was processed, which i did, and spoke with them on XXXX since i had not heard anything, and they confirmed that they received my letter as well as the dispute letter from my bank PSECU on XXXX. I am being told it was returned, which in fact in not true. I have made all my payments on time up to this point and have even made multiple payments each month, which is not required. They also are sending messages that I will be turned into the credit bureau.. I also have my bank involved as I have processed a dispute thru them so they can also ensure that you get this corrected on your end. My bank, PSEU filed a dispute and i was told yesterday XXXX that they declined it. In addition to this, I received an email from this company on XX/XX/XXXX stating you are closing my account due to a dishonored payment on this account. I am not worried about the account being closed because i would never use this card again, however i do not want this reflecting on my credit. I have shown proof that I did indeed pay this. I have made all my payments on time. The XXXX payments they claim the did not receive have now been added onto my total balance due. I do not know why or how they can get away with that. This card comes with a spend card that you use for payments, they also have that showing as a -150.00. I am assuming they did this since they are saying they didnt receive the {$150.00} payment in XXXX.

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 2026-03-06 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: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
I contacted American Express, they informed me that because of a variety of reasons they had reduced my spending limit. My issue is that it was reduced below my pay over time limit with 0 written notice. My overall spending limit had been {$8500.00} around XX/XX/year> they have steadily reducing that with no explanation until now when they reduced my spending limit below my pay over time limit of {$5000.00} with no written explanation. My credit score is still in good standing and has been increasing, and I havent missed a payment. I understand they reserve the right to adjust spending limits as they see fit but I believe these are predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I called Fifth Third Bank mortgage on XX/XX/year> and requested transferring {$40000.00} from my Fifth Third checking account to my mortgage account. The {$40000.00} was supposed to be applied to my mortgage principal but the funds have just been sitting there unapplied as today. The interest is calculated based off my principal outstanding and so therefore the calculation is currently based on a much higher balance which is not fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
Cashapp account : XXXX XXXXXXXX email : XXXX My account was actively being hacked on XX/XX/XXXX, I called immediately to cashapp customer service and they helped me get the hackers off the account.case # XXXX. However the hackers was able to charge 4 {$1.00} charges to buy stock and 3 {$5.00} charges to XXXX XXXX and they attached thier XXXX account and withdrew {$340.00}. Upon on closer inspection of the account, i notice there was another charge of {$5.00} on XX/XX/XXXX to XXXX. The hackers created a fake account with XXXX XXXX with my current phone number and changed my real account phone number so i couldnt get any notification of what was happening to my account. while on the phone with cashapp customer service, they helped me with combining both account as one and changed everything back to normal. They told me that the money will be back in my account and that they will notify me by email.Cashapp never contacted me, so i did a followup call about a week later case # XXXX. I explained to the rep what had happen and they said they are doing an inveigation and that the fraud departemnt is looking into in and that they will contavt me with in a week. Nobody every contacted me. So i called again, case number XXXX, on XX/XX/XXXX. Again I explained what happened. Again I was transfered to the fraud department. The rep told me that they saw what happened, acknowlaged that there was a hack, and that the process take 45 days, and that they will contact me. Again no contact from anyone from cashapp. So i called again case # XXXX on XXXX XXXX XXXX i explained what had happened, XXXX I was transfered to the fraud department. However, this time i was told that noone had looked at it and that theyy gave it to a manager and that managment will contact me in XXXX hours and that everything was appoved and i should recieve money taken at that time. Again no contact, So i called back, explained everything again and was transfered to the fraud department. This time i was told that it wasn't appoved and that i authized the charges. I told them that i didnt authoriized anything that the the account was hacked. and that the account was activly beeing hack when i called the first time on XX/XX/XXXX of XXXX. At that point the service rep waqs extremly rude, called me a liar and hung up on me. After that ive tried several times, being unsucessfull in contacting a manager and each time i was told no manager was on site. Please i need this resoveled asap. the money the hackers took was my rent money and it has put me in a state of hardship. My contact info is : XXXX XXXX phone number is XXXX and my email is XXXX. thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Fundo LLC
State: GA

Complaint narrative:
The company is using the threat of a commercial UCC lien against my personal income to force me into an unconscionable payment plan for a {$470.00} consumer advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

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 ) XXXX, 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 nextXX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: GA

Complaint narrative:
XXXX XXXX or XXXX I had a cash app account I'd like to access for funds I never collected. As well as my investments if any It's been so long ago I do not know how to access my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ROBINHOOD MARKETS INC.
State: AK

Complaint narrative:
On XX/XX/year>, I discovered a {$140.00} interest charge on my Robinhood credit card account and contacted Robinhood support through chat the same day to request a review. I had autopay enabled on my Robinhood credit card account, and the app displayed the message No payment needed because autopay is enabled. Based on this message, I reasonably believed my statement balance would be paid automatically. Previously, my autopay payments were being pulled from my Robinhood individual account. Later, Robinhood introduced a checking account product that offered slightly better interest rates. I opened a Robinhood checking account and moved most of my available funds there as part of consolidating more of my banking activity within the Robinhood platform. However, the credit card autopay was still attempting to pull funds from my Robinhood individual account, which no longer had sufficient funds after I moved the money to the new Robinhood checking account. As a result, the autopay attempts failed and a {$140.00} interest charge was later applied to my account. The primary issue is that I never received any notification that the autopay attempts had failed. I did not receive any email, text message, push notification, or other alert indicating that the payment had failed. If I had received any notice that the payment failed, I would have corrected the payment source immediately and paid the balance before any interest accrued. Most credit card issuers notify customers when autopay fails so the issue can be corrected before additional charges occur. In this case, the Robinhood app simultaneously displayed a message stating No payment needed because autopay is enabled, while no failed payment notifications were sent. This combination reasonably led me to believe the payment was being handled automatically. When I contacted Robinhood support on XX/XX/year>, I requested that the {$140.00} interest charge be reviewed and reversed. My request was escalated for additional review but was ultimately denied. Robinhood stated that a previous interest charge had already been reversed as a one-time courtesy and therefore they could not reverse this charge. My concern is that the app messaging indicating that no payment was needed, combined with the absence of any failed payment notification, prevented me from correcting the issue before interest charges were applied. Once I noticed the issue and the interest charge, I immediately paid the full outstanding balance {$12000.00} to bring the account current. This was done the same day I contacted XXXX support. I am requesting that the {$140.00} interest charge be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
MIDLAND CREDIT XXXXANAG is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAG is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: KY

Complaint narrative:
I took a XXXX dollar loan in XXXX of XXXX. On the phone I was told the payments would XXXX bi weekly for 1 year that has turned into weekly and as of XX/XX/XXXX I have payed 27 payments totaling XXXX dollars and have only paid XXXX dollars on the principle of the loan the interest rate is roughly XXXX percent far exceeding usury laws in the state of Kentucky. I was never told the interest rate in the call, and was sent documents with only boxes to e sign not disclosing the full cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Validation of Debt Request - SPRING OAKS CAPITAL - xxx * * * * XXXX 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 ) XXXX, 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 XX/XX/XXXXdays : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Appealed Fiur times! Returned part of my money but then appealed a portion of it and denied stating I authorized the fraudulent transaction! I asked if the persons name in the transactions had been investigated and they wont give me any information! They said they couldnt look into another persons account and to call their fraud number! Ive been dealing with this since XX/XX/year>! I just want the rest of my money returned, and charges against the person that did this!! XXXX XXXX!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 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: VA

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 ) XXXX, 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 nextXX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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

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 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Johnson Mark LLC
State: TX

Complaint narrative:
On XXXX I received an email stating to make payment arrangements. I reached out to the company but was unable to receive any help I was told I would receive a call back. I called the following Monday and still no help. I set up payment arrangements on my own as I was unsure what to do! I received a letter in a mail from a firm asking if I needed help with a case being filed against me. I check and on XX/XX/year> JLaw/Midland credit management had filed a case against me the same day! This was the first time I personally had any notice from them in any way

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