vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc.
State: CA

Complaint narrative:
On XX/XX/year> I sent a payment through TapTap of {$140.00}, but it went to the wrong recipient an XXXX driver named XXXX XXXX. I tried to cancel it immediately, but it was too late. I contacted TapTap customer support right away and provided the correct recipient information XXXX XXXX, the exact amount, and the date of the transaction. I tried to file a dispute with my bank since I hadn't received a response and TapTap managed to speak with my bank but has yet to reach out or repsond to my email. 


Despite my attempts, TapTap has not responded or offered a resolution. I reached back out today to get this escalated to a Supervisor but they refused. I just received an email that it has been escalated to their " complaints department '' but it is the same email I received when I originally reached out. It has almost been 30 days now.

Supporting evidence : I have screenshots, transaction records, and copies of my communications showing my attempts to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a hard inquiry that appears on my credit report associated with your company. I did not authorize this hard inquiry, nor did I provide written or verbal consent for my credit to be accessed for lending or review purposes.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a company may only obtain a consumer report for a permissible purpose and with proper authorization. If you are unable to provide documentation proving that I granted permission for this hard inquiry, its presence on my credit report is inaccurate and unlawful.

Additionally, under 15 U.S.C. 1681a and 1681e ( b ), credit reporting agencies and furnishers are required to ensure maximum possible accuracy of the information reported. An unauthorized hard inquiry does not meet this standard.

I am requesting that this hard inquiry be removed immediately from all consumer reporting agencies to which it has been reported. Please provide written confirmation once this has been completed.

If this matter is not resolved promptly, I will pursue all rights available to me under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I applied for a Bilt XXXX last year and was approved. Now, this year they changed their card system and I reapplied for a Bilt card that costs $ XXXXyear, however Bilt keeps changing their card policies and rewards system and I no longer want the card. I can not get in contact with anyone to cancel the card before I get charged. The phone line they gave me says no one is available, and I can not wait on hold because the call ends. This feels like a scam, they keep changing their policies yet they havent given me any way to cancel my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am formally disputing this collection tradeline and demanding a reasonable reinvestigation under the Fair Credit Reporting Act, including 15 U.S.C. 1681i ( a ), and your duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). During reinvestigation, if the furnisher/collector can not provide competent evidence to substantiate the accuracy, completeness, and legal basis of the reporting, the FCRA requires you to delete or correct information that is inaccurate or can not be verified under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). If you claim the item is verified, I am also requesting the required description of the procedure used and the furnisher contact details under 15 U.S.C. 1681i ( a ) ( 7 ).

In addition, I have disputed directly with the debt collector and requested validation under the FDCPA, 15 U.S.C. 1692g ; the collector has failed to provide competent validation or proof of legal standing. If the collector continues to report or communicate credit information without substantiation and without properly reflecting the dispute, that implicates 15 U.S.C. 1692e ( 8 ) ( failure to communicate a disputed debt ), and once you have notice of my dispute through this bureau process the furnisher must investigate and correct/delete unsupported reporting under 15 U.S.C. 1681s-2 ( b ). Accordingly, because the tradeline is not verifiable and lacks competent validation/standing documentation, I am demanding immediate deletion of this account from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( can not be verified ) and confirmation in writing of the results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank has refused to let me access my money for the last 90 days. Ive called no more times they put a fake fraud flag on my account and they said they will send a letter which never came. They said it was being escalated which it never was and when I call, no one answers the phone. I have verify the account numerous times. I have the account number and writing information and my personal information and it was not sufficient enough to unlock my account for some reason. The way that the account got locked is my facial recognition software locked me out because it was malfunctioning. So when I tried to call and unlock my account, the woman over the phone put a fraud flag on my account and did not explain why.

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 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
i lived at XXXX XXXX apartments from XXXX owned by XXXX XXXX. I signed a letter to vacate in XXXX of XXXX  to vacate by XX/XX/year> and I was caught up on my rent. In XXXX on XXXX  I noticed that on my credit report there was a collection from a XXXX XXXX COLLECT in the amount of {$4900.00}. I have been disputing this debt for over XXXX  years. Nobody has contacted me at all ever about this debt. Not only do I still have the same job as when I lived in XXXX XXXX I have the same Email address and all my address are updated with all the credit reporting companies. When reaching out to the company for information the phone number provide on my credit report goes to a XXXX emergency button order line. When looking up the address it goes to a XXXX XXXX. I don't even owe this money. This was sold to XXXX on XX/XX/XXXX of XXXX  31 days after my move out date of XX/XX/year>. I returned my keys and mail key on XX/XX/XXXX and received no invoice telling me I owed any money. Not a word, not a letter, not an email. Nothing. i want this removed from credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Company : Citizens Bank , N.A. 
Consumer Reference Number : XXXX Account in Question : Primary Checking ending in XXXX I am reporting a sophisticated case of identity theft and potential internal bank fraud involving unauthorized accounts and systemic manipulation of my financial profile at Citizens Bank. 

Since XX/XX/XXXX, bank records and virtual document images indicate that unauthorized transactions have been processed through my profile via Branch XXXX ( XXXX, NH ). 

Specifically : XXXX XXXX Accounts : Accounts ending in XXXX and XXXX were opened in my name without my knowledge, consent, or signature. 

External Routing Exploitation : Electronic deposits are being funneled into my accounts using Routing Number XXXX ( XXXX XXXX XXXX ), an institution I have no relationship with. My authorized routing number is XXXX. 

Teller Level Manipulation : Records show activity under User ID : XXXX and XXXX utilizing XXXX XXXX ( Teller Cash Recycler ). My primary account ( XXXX ) has been used in " Cash In '' images for these transactions without my physical presence at the branch. 

Redaction of Records : Statements provided to me starting XX/XX/XXXX, have the banks name or a third-party entitys name blacked out/redacted. Citizens Bank has failed to explain this redaction or identify the hidden entity. 

Citizens Bank is in direct violation of the following federal and state mandates : 15 U.S.C. 1681g ( FCRA Section 609 ( e ) ) : As a victim of identity theft, I have a statutory right to obtain unredacted business records relating to the fraud.

The banks redaction of my statements is a violation of this right.

Electronic Fund Transfer Act ( Regulation E ) : The bank has failed to properly investigate unauthorized electronic transfers involving the XXXX routing number. 

XXXX XXXX Act ( Section 326 - CIP ) : Failure to properly verify the identity of the individual opening account XXXX, leading to a breach of the Bank Secrecy Act ( BSA ) protocols. 
12 CFR 1003 ( Regulation C ) & 18 U.S.C. 1005 : Systematic entry of false information ( DIN numbers XXXX, XXXX, and others ) into bank records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I had To refill and they dismissed it. So lets go by 15 U.S code 1681i. Please remove it off credit file

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 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED PayPal , Inc . 
Attn : Legal Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Demand for Release of Funds and Account Closure Account : XXXX To the PayPal Legal Department, This letter serves as a formal demand for the immediate release of my account balance in the amount of {$620.00}. My account has been limited and my funds placed on a XXXX hold due to alleged " unusual activity. '' I have been a consistent customer for over XXXX XXXX. The activity flagged was my legitimate use of PayPals own integrated XXXX servicesa feature PayPal actively promotes. Furthermore, PayPal has now blocked my ability to log in, denying me access to my own financial records and transaction history. This is an abusive and commercially unreasonable practice. 
NOTICE OF SIMULTANEOUS REGULATORY FILING : Please be advised that as of today, XX/XX/XXXX, I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. I am fully aware of the XX/XX/XXXX settlement regarding " unfair and deceptive practices '' specifically related to wrongfully freezing accounts and denying consumers access to their funds. 
Withholding {$620.00} from a XXXX customer for using an internal platform featureand subsequently blocking account accessis a bad-faith application of your User Agreement and falls directly under the deceptive behaviors regulators are currently monitoring.

DEMAND : 1. I demand the full release of my {$620.00} balance within ten ( 10 ) business days of the receipt of this letter.

2. Upon the release and withdrawal of these funds, I request that PayPal immediately and permanently close my account ( XXXX ). 
Failure to resolve this within XXXX business days will result in further escalation, including a consumer protection claim with the XXXX Attorney Generals Office and a claim in XXXX XXXX XXXX for the funds, plus filing fees and damages. 
Please notify me at XXXX once the funds are available. 
Sincerely, ( Signature ) XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: LA

Complaint narrative:
I received a letter in the mail, a phone call and a email from Rent Debt Automated solutions LLC saying I owe a debt to them on behalf of The XXXX XXXX. I have never took out a loan or owe money to XXXX XXXX and I don't owe money to XXXX. XXXX is my apartment complex. I left The XXXX at XXXX with a {$0.00} balance on XX/XX/year>. They never contacted me. Rent debt has put stuff on my credit report. XXXX is not licensed to collect in the state of louisiana. I ask they they contact all XXXX bureaus and remove this debt off my credit report by XXXX  and notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing a complaint regarding an unauthorized electronic fund transfer, failure to investigate, and unfair business practices related to XXXX XXXX feature. 

I received a XXXX advance and repaid the obligation in full on XX/XX/year> at XXXX PM. The repayment was completed and the XXXX balance was satisfied. 

On XX/XX/year>, Chime returned the repaid funds to my account and issued a {$2.00} courtesy credit. After this refund, XXXX reflected no outstanding balance owed. 

Despite this, Chime later debited my account again for the same repayment amount, months after the debt had been fully repaid and refunded. I did not authorize a new XXXX advance and there was no valid outstanding balance at the time the funds were taken. 

I contacted Chime customer support by phone immediately to resolve this issue. During that call, Chime refused to reverse the debit, refused to provide a valid explanation for the withdrawal, and refused my request for a complete repayment ledger and supporting documentation to be sent to me by mail. 

If Chime believes the XXXX refund was issued in error, I was never notified and no documentation has been provided establishing a lawful basis for the debit. Withdrawing funds months later without authorization or notice, and refusing to provide account records upon request, violates the XXXX XXXX Transfer Act ( Regulation XXXX ). 

This conduct also constitutes unfair and deceptive acts or practices under the Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ), including misrepresenting account status, withdrawing funds not owed, and failing to provide required disclosures and records. 

I am requesting that : The unauthorized debit be refunded in full Any related fees or financial losses be reimbursed A complete written repayment ledger be provided Written confirmation be issued that my MyPay obligation is satisfied with a XXXX balance I have transaction records and screenshots documenting the repayment, the XXXX refund and courtesy credit, and the subsequent debit and can provide them upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I received an unauthorized transfer of {$2700.00} into my Cash App account ( XXXX : [ XXXX XXXXXXXX ], Transaction ID : XXXX ) on [ XX/XX/XXXXXXXX  ]. 

I did not authorize, request, or consent to this transfer. I have not used, withdrawn, or benefited from these funds. Shortly after the transfer, the sender demanded a refund, which is consistent with a refund scam pattern, where recipients receive unsolicited funds and are pressured to return them. 

I reported this transaction as fraud six ( 6 ) times, including two ( 2 ) phone calls with Cash App support. Each time, I was instructed to manually refund the money, which I refused because that would make me financially liable for funds I did not request. 

On XX/XX/XXXX, I sent a formal written demand giving Cash App until XXXX XXXX EST XX/XX/XXXX to investigate and remove the funds. Cash App failed to act. The {$2700.00} remains in my account, and the company is effectively coercing me to assume liability. 

I request that the {$2700.00} be immediately removed from my account and that Cash App provide written confirmation that I am not liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
The hospital charged us twice for an XXXX, and the reason being is because the first Doctor Who has not mentioned to us was in training and failed. Then a more experienced doctor had to come in and do it therefore this debt attempting to be collected is completely incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: NM

Complaint narrative:
After receiving the disputed move-out charges, I contacted the property management company and the collection agency by phone and email to request validation of the debt. Specifically, I requested my move-in inspection report documenting pre-existing conditions. 

The only documents ever provided were the propertys move-out inspection checklist and an itemized move-out statement. The move-in inspection report has never been provided, despite multiple requests. 

Property management advised me that the matter would be escalated to their higher-level management and that I would receive a call. That call never occurred, and no further response or documentation was provided. 

While the debt remained disputed and unvalidated, the account was referred to Property Receivables Corp, which contacted me and reported the disputed debt to consumer credit reporting agencies. I do not owe this debt, it has not been validated, and the credit reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Stellantis Financial Services US Corp.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a hard inquiry that appears on my credit report associated with your company. I did not authorize this hard inquiry, nor did I provide written or verbal consent for my credit to be accessed for lending or review purposes.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a company may only obtain a consumer report for a permissible purpose and with proper authorization. If you are unable to provide documentation proving that I granted permission for this hard inquiry, its presence on my credit report is inaccurate and unlawful. 

Additionally, under 15 U.S.C. 1681a and 1681e ( b ), credit reporting agencies and furnishers are required to ensure maximum possible accuracy of the information reported. An unauthorized hard inquiry does not meet this standard. 

I am requesting that this hard inquiry be removed immediately from all consumer reporting agencies to which it has been reported. Please provide written confirmation once this has been completed. 

If this matter is not resolved promptly, I will pursue all rights available to me under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter.

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 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SG and Associates
State: TX

Complaint narrative:
XXXX XXXX stopped talking to me and did not responded to my requests to work on a payment plan or settlement. I am now receiving phone calls and voice messages from a debt collector Stafford Group & Associates, with harrasing comments and stating that they sent me documents that I dont have or ever received.

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 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I dispute the accuracy and completeness of this collection tradeline. The furnisher has repeatedly failed to provide competent evidence of legal standing/authority ( ownership/assignment or placement authority ) for this specific account and has only sent a generic statement that I owe the original creditor. Because the furnisher can not substantiate the basis to report this account, it is not verifiable. Under 15 U.S.C. 1681i ( a ) you must conduct a reasonable reinvestigation, and under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) you must delete information that can not be verified. Continued reporting also violates the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). Please delete this tradeline, or provide the results and procedure details required by the FCRA.

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