vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
My Credit Report indicated that I had something in collections for {$930.00}. XX/XX/XXXX - I reached out to the collection agency ( XXXX ) XXXX ) listed. ( Credence Resource management ) they let me know that they could not find anything under my name or social security number for the collections. XX/XX/XXXX I then reached out to XXXX XXXX XXXX, who sent me over to the credence collections again ( XXXX ( XXXX ) XXXX ). I was able to speak to a rep who let me know that the bill was from an XXXX service that took place on XX/XX/XXXX. I could not understand the two addresses they were giving, but I could hear it was an XXXX trip from New Mexico to XXXX XXXX Texas. I have not left Wisconsin in well over 6 years and do not know anyone down there. The Rep said they would make note of it. But I do not want someone else 's outstanding collections on my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I have been getting emails and phone calls from Fair Collections & Outsourcing for an unpaid rental debt at my previous apartments in XX/XX/year>. Although I was staying at the apartments my name was not listed on the move out statement or the lease renewal.

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

Complaint narrative:
Please remove fraudulent XXXX XXXX XXXX Credit cards from my credit reports

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: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove fraudulent XXXX XXXX XXXX Credit cards from my credit reports

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 when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I submitted a balance transfer payment {$5800.00} from my XXXX XXXX credit card to pay off my BILT Credit Card balance in full. Due to an error that was not caused by me, the payment was incorrectly sent to XXXX XXXX and was not applied to the intended account. As a result, I had to wait more than a month for the funds to be returned and correctly applied. During this period, interest charges accrued on my BILT account even though I initiated the payment on time and in good faith. In the amount of {$140.00}, I have attached a screen shot/statement of charges for the XXXX statement for 2026. I respectfully request reimbursement of the interest charges that accumulated while the payment issue was being resolved, as the delay was outside of my control. I have documentation showing the payment, the delay, and the resulting interest charges. Thank you for your review and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: OH

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 2026-06-10 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: IL

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 2026-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I am filing a formal complaint against Synchrony Bank for predatory account structural barriers and billing manipulation on my XXXX account. My account is locked in a negative amortization cycle where monthly Card Security fees ( {$29.00} ) and interest ( {$40.00} ) outpace my required monthly auto-payment ( {$58.00} ). This has forced my balance to skyrocket - {$530.00} over my credit limit. To stop further financial bleeding, I attempted to freeze my account. Synchrony 's digital portal systematically blocked the toggle, and as proven in XXXX XXXX # XXXX, the live associate explicitly stated that they refuse to offer account freezing over chat channels. By forcing phone-only barriers while continuing to compound internal fees, the bank is intentionally trapping me. I demand a complete executive audit of a mystery {$500.00} balance spike from 2024 and a total retroactive reversal of these fee-driven overages.

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 — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: U.S. BANCORP
State: MS

Complaint narrative:
am filing this complaint against Elan Financial Services for failing to honor a hardship payment agreement that I entered into with the company. Under the terms of the agreement, I was instructed to pay {$18.00} per month on my account under a hardship repayment plan that was represented as interest-free for the remaining balance. I fully complied with the agreement and submitted my payment more than 17 days before it was due. Despite making the required payment early, Elan Financial Services closed my account and transferred it into collections. I subsequently received a telephone call from a representative demanding an immediate payment even though the agreed hardship payment had already been made. I advised the representative that I had already complied with the hardship agreement and that the company had accepted my payment. I informed the representative that I would be filing a formal complaint because the company failed to abide by the terms that it established. I request that Elan Financial Services immediately investigate this matter, honor the original hardship agreement, remove any collection activity resulting from its failure to follow the agreement, correct any adverse credit reporting, and provide a written explanation of why the agreement was disregarded after I complied with its terms. Respectfully, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I am filing this complaint against SUNRISE CREDIT SERVICES, located at 8 CORPORATE XXXX XXXX XXXX, XXXX, NY XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$200.00} originally owed to XXXX XXXX XXXX Account NoXXXX XXXX XXXXXXXX, on my consumer credit reports with XXXX XXXX, and/or XXXX. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/year>, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt; and ( 3 ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION 1 REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA 15 U.S.C. 1681s-2 ) : This company is reporting an account on my consumer credit file that has not been properly verified. Despite receiving my written dispute, this company has continued to report this unverified account to all three credit bureaus in direct violation of FCRA 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation and correction or deletion of any information that can not be verified. This unlawful collection and reporting activity has caused me significant harm including damage to my credit. I am demanding that the CFPB investigate this matter, require this company to immediately delete this account from all three credit bureaus, and take appropriate enforcement action. I have attached my Cease and Desist letter, certified mail tracking confirmation, and screenshots of the tradeline from all three credit bureaus. All records are preserved for potential civil litigation.

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: 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: TX

Complaint narrative:
I have both a personal and business bank account with Venmo. Both have been opened up for years and have made thousands of transactions between the two. Recently a PayPal was opened up under the business a couple weeks back and it got closed. This later translated to my personal and business Venmos being closed permanently due to the PayPal permanent ban. My Venmo business now has {$510.00} being held and I can longer use both the personal and business accounts. I think this ridiculous and unnecessary given the years that I have been operating through both accounts. I would like both opened back up and to allow me to continue operating my business and personal transactions through Venmo. Recently all Venmo as for me with a temporary pause on the accounts was drivers license which I submitted. Where they came back and said I was permanently banned due to the PayPal account that was shut down for unknown reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
So I already filed this claim against Cash app back in XX/XX/1925. Their response was my complaint was related to the CFPB cash app lawsuit yet this morning when I called about the lawsuit, I was told my name isnt included. So I am going to continue on with my complaint because I was scammed at a {$4000.00} on Cash app due to somebody accessing my Cash app unauthorized and sending money to someone. I immediately contacted cash app Support they would not help in anyway. They denied my refund request, I reported as fraud. I tried to get Help from cash app in every way possible I contacted them on social media, through the app, through email and never got any help. So when I saw that lawsuit, I immediately filed a complaint with consumer finance. I still have not gotten any help, I was told Im not a part of the people getting compensation. So I need this matter dealt with immediately because this is ridiculous. XXXX XXXX XXXX XXXX XXXX who works hard for her money so to have someone take that large amount of money messed my life up badly and I didnt pursue anything because cash app told me I would pretty much be a part of those getting compensation from the lawsuit but now that I found out Im not I will be continuing. My cash tag at the time was XXXX XXXXXXXX and cash app has since closed that cash app account which in itself seems very shady

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Chime Financial Inc
State: KS

Complaint narrative:
I tried paying off my loan, and it left a balance is {$.00} anytime I try to go pay the rest of it. It says Im all caught up. And I have tried to call Chime twice. The first time they said it had to be resolved by email and sent me a survey to see how they did they didnt fix anything. The second time today he told me straight up that it was a glitch in the system that he cant access to the amount either. They are currently reporting it to my credit as late, but under my account, it shows that my loans are paid off. I need it resolved immediately, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VT

Complaint narrative:
On XX/XX/year>, a buyer paid {$3800.00} via PayPal for an item listed on XXXX. The item had been sold to another party earlier the same day. Within minutes of receiving payment notification, I initiated a full refund through PayPal. My PayPal account showed " Refund sent '' dated XX/XX/year>. I also notified the buyer directly by email at XXXX that same day. Over the following XXXX days, PayPal made repeated attempts to debit my linked external bank account to recover the refund amount without notifying me by email, phone call, or in-app alert. My bank declined the transfers. I received no communication of any kind from PayPal during this period indicating that the refund had not settled or that any action was required of me. On approximately XX/XX/year>, I received a single text message no email, no call, no in-app notification stating the refund could not be completed. I immediately contacted the buyer, who confirmed the refund showed as failed on his end. The buyer and I have remained in cooperative contact throughout. On XX/XX/year>, PayPal notified me that the buyer 's card issuer had filed a chargeback. PayPal classified the dispute as " Item Not Received. '' This classification is factually incorrect. No item was ever shipped. The transaction was cancelled and a refund was initiated same-day. On XX/XX/year>, I submitted a formal written dispute response through PayPal 's Resolution Center with supporting documentation, including timestamped communications and account screenshots. As of XX/XX/year>, I have received no acknowledgment of that submission. PayPal has applied a negative balance of approximately {$4000.00} to my account without prior notice and without acknowledging my dispute response. PayPal 's own system designates this transaction as Seller Protection Eligible, which is inconsistent with the adverse action taken against my account. The processing failure, the repeated unauthorized external bank debit attempts, the ten-day notification silence, the incorrect case classification, and the unannounced negative balance levy all originate with PayPal 's administrative failures not with any action or inaction by me.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
My chime was hacked for XXXX and the person kept closing my account and stole XXXX and chime is ignoring the problem the police report number is 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: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
My Robinhood has been compromised. On XX/XX/XXXX I was trying to transfer money from my Robinhood account to my bank account. It was critical that these funds be available because on XX/XX/XXXX my 2 twin children were murdered and I needed money to pay for their funeral expenses and money to buy a plane ticket from Florida to Connecticut. I believe Robinhood froze my account and I am unable to access my Robinhood account I have been locked out of my account and can not see any activity. I also need to transfer money from Robinhood to my bank account. I have payments I must pay. The following must now be paid : car payment, car insurance, cell phone, utilities, medical co-pays, Cable TV and internet. Gas for car, groceries. Please help me with this devastating problem. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
Hayt, Hayt & Landau LLC is acting as collector/servicer on behalf of XXXX XXXX XXXX for account reference XXXX, original creditor XXXX, account ending XXXX, balance {$6000.00}. On XX/XX/year>, I sent a formal Debt Validation Request and Cease & Desist to XXXX XXXX XXXX via XXXX Certified Mail. On XX/XX/year>, I received a response from XXXX XXXX XXXX that included an account summary and loan agreement but failed to provide chain of title, bill of sale, or proof that XXXX XXXX XXXX legally purchased this debt from XXXX. No proof of NJ collection licensing was provided for either XXXX XXXX XXXX or Hayt, Hayt & Landau LLC. Hayt, Hayt & Landau LLCs continued involvement as active collector on this account while proper validation remains pending constitutes continued collection activity in violation of 15 U.S.C. 1692g ( b ). Reference prior CFPB complaint # XXXX

Company response to consumer: Closed with explanation