vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
In a prior case I filed arising from this ordeal, which originated on XX/XX/year>, you asked American Express to return my interest on the nearly {$40000.00} they retained. Not only did they not do that, but they are also still refusing to return my money. They are altering dates to fulfill their narrative. I have the correct dates and have copied all correspondence. They are using new dates to continue withholding my funds, as well as interest ( now higher ) from a young XXXX XXXX 
I thought there were laws against keeping money for more than 92 days. Please can you help me? When I contact them, they say, " Yes, we'll mail the check, '' but they never send any correspondence or a check. As a vulnerable member of society, they are XXXX XXXX XXXX me, their own customer, which may lead me into bankruptcy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Figure Technologies, Inc
State: OK

Complaint narrative:
We took out a XXXX in XX/XX/XXXX. It was a XXXX XXXX, and they did an online appraisal. I was not even sure what the amount was. I was told it was XXXX. I may or may not have signed off on it, but it is not in the loan documents I have. My current mortgage is about XXXX. The HELOC is XXXX, and I was told I had to take it all out up front, but I could pay it back immediately and have the difference available to me as I need funds. I got the loan and immediately paid back XXXX in XXXX. Our loans and bills are all current. 

XXXX is slow due to XXXX XXXX issues. And XXXX is an expense. I went to draw {$2500.00} and was told my HELOC is frozen, and I can not make withdrawals. The reason is that they say my home 's value has dropped to about XXXX. This loan was sold, and this is the new lien holder. I will note that the balance of our Primary and HELOC is under 80 % LTV, based on their figures. 

It is possible they looked at the property online and viewed the wrong property. We had this problem when getting the loan. The former owner of our house also owned a daycare center in town, and that picture will show up when searching our property. 

However, they would not discuss anything with me when I called and wanted me to pay them for an appraisal. I am not paying XXXX XXXX  for an appraisal. They need to take this loan as it was written. They are welcome to get an honest appraisal, but I won't pay for it. I suspect forcing people to do appraisals is a way for them to generate income. 

My property may not be worth XXXX, but it is more than XXXX. This is a XXXX XXXX XXXX with an attached garage on XXXX acres, which includes vines and fruit trees. We have pastures and coops built as XXXX XXXX XXXX XXXX XXXX XXXX XXXX The home has a rock facade, not the metal building they may see on their search.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX  banned my account when I failed to provide ID when my account became limited. And I already had explained I was in the process of submitting my State ID. 

I have my state ID .. please let me submit my documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I contacted them about something that was placed on my credit in XX/XX/XXXX that I guess they purchased from the apartments in XXXX. I hadnt lived in the apartments I think since XXXX when I moved out, I was under the impression that it was good terms. My lease was up. Everything was good and paid. I contacted the apartment to myself to try to get the itemized list so that I could look into my XXXX  and see if I still had photos from when I moved out as this was so much later from when I actually did leave they said they no longer had any records so I requested it from the debt collector where I even expressed to them that the dates on their report is wrong. They say XXXX years and XXXX months and I have been married living out of state since then Ive had another child. I was never contacted about owing money. I had even went to the apartment years later to show a friend and recommended them and they told me I was welcome back anytime. This has been a complete shocked me and showing up as Im trying to purchase a house and get my credit in the right place. The debt collector said that they sent out the list because obviously I do not want to pay something I do not owe and now being so many years that I cant even fight it and I want to see an itemized list of what theyre claiming I owe. they have claimed they have sent this. I have not received this. As far as Im concerned the amounts not correct as I was never told about this and the dates are definitely not correct even if I had changed addresses and they attempted and couldnt get a hold of me. The dates are wrong. Which I highly doubt that is the case considering everything took so long to get on my report. This seems very fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: FL

Complaint narrative:
I am disputing a collection account reported by Kinum , Inc., with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  listed as the original creditor, and published by XXXX XXXX XXXX XXXX XXXX The account reflects an alleged balance of {$12000.00}. 

This account arises from an educational service agreement, not a consumer credit transaction. I did not enter into a consumer credit agreement establishing repayment terms, interest, or authorization for credit bureau reporting. No Truth-in-Lending disclosures or signed credit agreement exist that would permit this account to be reported as consumer credit. 

I disputed this account with XXXX because it is being reported without documentation necessary to establish accuracy, including : A signed consumer credit or repayment agreement, Proof of permissible purpose to report under the Fair Credit Reporting Act, Itemized charges supporting the balance, Documentation establishing that the amount became due and payable. 

Despite this, the account continues to be reported.

Kinum , Inc. has failed to conduct a reasonable investigation and continues furnishing unverifiable information in violation of 15 U.S.C. 1681s-2 ( b ). XXXX has failed to ensure maximum possible accuracy and failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681e ( b ) and 1681i ( a
).

Educational service contracts do not constitute reportable consumer credit absent a valid, signed credit agreement. Because this account can not be reasonably verified, continued reporting is improper. 

I am requesting permanent deletion of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
Shellpoint company which in working hand in hand with XXXX XXXX I took out the escrow loan with XXXX  and they default me to shellpoint on a payment XXXX  says no record of me sending ck # XXXX sent XX/XX/XXXX amount XXXX think they XXXX  use that not received check to use against me to get me involved with shellpoint company .. think both these companies are working in some kind of fraud game.

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 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
This is my third time filing against Chime they still have not returned my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Synchrony Bank ( PayPal Credit ). 

After my PayPal Credit account stopped appearing on my PayPal dashboard, I contacted PayPal/Synchrony customer service to confirm whether any balance was due. I was explicitly informed that there was no balance on the account. 

Despite this confirmation, Synchrony later reported the account as delinquent to XXXX, XXXX, and XXXX. This reporting is inaccurate and has caused a significant credit score drop at a critical time while I am applying for a major loan. 

I have disputed the information with the credit bureaus and contacted Synchrony again to escalate the issue. This appears to be a reporting or system error, and the delinquency does not reflect the account status that was communicated to me. 

I am requesting immediate correction or removal of the delinquency from all credit bureaus and written confirmation of the accounts correct status.

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 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Wed, XX/XX/year>, XXXX to SUPPORT, LEGAL, COMPLIANCE ACCOUNT : * * * * * * * * * * * * Date : XX/XX/year> XXXX XXXX XXXX Department Robinhood Markets , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Demand for Return of Funds Closed Robinhood Account Dear Robinhood Compliance Team, I am writing to formally demand the return of funds that remain outstanding following the liquidation and closure of my Robinhood account. My account, registered under the email address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was liquidated and closed without my authorization on or around XX/XX/year>. 



Since that time, I have not received the remaining cash balance that was in my account, nor have I been provided with a written explanation of the account closure or the disbursement of funds. I have attempted to resolve this matter through your support channels, but I have been unable to access my account or obtain assistance. 

Accordingly, I am requesting : A written explanation of the reason for the account liquidation and closure ; Confirmation of the final cash balance in the account as of the closure date ; and Immediate return of all remaining funds to my linked bank account ending in XXXX XXXX XXXX XXXX or by certified check to the mailing address listed above. 


Please treat this as a formal demand for payment. If I do not receive a response or resolution within XXXX business days, I will be filing formal complaints with XXXX, the XXXXXXXX XXXX XXXX XXXX XXXX, and the Consumer Financial Protection Bureau. 



I would prefer to resolve this matter directly with Robinhood and avoid regulatory escalation, but I expect prompt confirmation of when my funds will be returned. 





Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C.1692g ).

I dispute the validity of this alleged debt and request full validation. Please provide the following : 1. The amount of the debt, including an itemized breakdown of principal, interest, fees, and any other charges 2. The name and address of the original creditor 3. Copies of any signed agreement, contract, or application showing I am legally obligated to pay this debt 4. Proof that your company is licensed and authorized to collect in my state 5. Documentation showing you own the debt or have legal authority to collect it 6. The date of last payment and the date the debt became delinquent Until this information is provided, you must cease all collection activity, including reporting or verifying this account with any credit reporting agency.

If you have already reported this debt to a credit bureau without providing proper validation, you are in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Please note that I am requesting verification, not acknowledgment of responsibility for this debt.

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: CA

Complaint narrative:
On XX/XX/year>, I placed an order with XXXX for {$83.00} using Klarna as the payment method. 

XXXX Order Reference : XXXX Klarna Order Reference : XXXX The delivery address provided was a XXXX XXXX ( XXXX XXXX XXXX location. The package was later marked as delivered, but it was left outside a closed XXXX XXXX after business hours on a busy commercial road. The package was never delivered to a person, never accepted by a XXXX XXXX employee, and no signature was obtained. Leaving a package unattended outside a closed commercial business does not constitute successful or secure delivery. 

On XX/XX/year>, I contacted XXXX customer service to report that the package was never received and to open a service ticket. On XX/XX/year>, XXXX closed my claim, stating that the package was delivered based solely on a photo provided by the shipping carrier showing the package left outside the XXXX XXXX. 

On XX/XX/year>, I contacted Klarna to dispute the charges for this order and requested a credit for goods not received. Klarna informed me an investigation would be conducted. On Monday, XX/XX/year>, Klarna emailed me their decision to close the dispute, stating they accepted XXXX proof of delivery and would resume charging me. 

I am still being charged for goods I never received. A photo showing a package abandoned outside a closed commercial business does not demonstrate proper or secure delivery. Additionally, there was no disclosure at checkout indicating that XXXX XXXX XXXX XXXX XXXX addresses were not permitted. I am requesting that the charge be removed and that Klarna correct my account balance for this undelivered order.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/XXXX I was scammed and frauded of {$1700.00} via my XXXX account. I immediately contactd XXXX disputing the charge AND I contacted my bank to close my account immediately and NOT authorize this {$1700.00} transfer. Thankfully, my bank closed the account before the funds could be transfered to XXXX or this scam and fraud! I also sent XXXX ALL of the screenshots for this XXXX scammer. I am so upset. I'm glad that my bank denied the funds for transfer and closed my bank account but XXXX is now denying my claim AND demanding that I pay them {$1700.00} to use and open my XXXX account. NO WAY I am paying them anything. They were immediately notified on XX/XX/XXXX right after this transaction went through that it was a SCAM and FRAUD! Shame on XXXX! I also have an open case with XXXX for the SAME exact thing! Unfornately those funds were removed from my account and my bank is working on that dispute for me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Winklevoss Exchange LLC
State: MN

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX XXXX and its ongoing failure to transfer or provide executor access to my deceased fathers account, despite my full compliance with all documentation requests over a period of several months. 

My father passed away on XX/XX/2025 in XXXX XXXX, Nevada. I am the * * court-recognized XXXX and sole beneficiary of his estate. Probate has been completed, and I possess all legally required documentation, including : * A certified death certificate issued by the State of Nevada * Last Will and Testament naming me as sole XXXX and beneficiary * A court-stamped Petition for Probate electronically issued by XXXX XXXX XXXX XXXX Beginning in XX/XX/2025, XXXX  repeatedly requested these documents. I uploaded them multiple times through XXXX required XXXX XXXX system, each time receiving submission confirmations. On several occasions, XXXX  later claimed the documents were never received or had been deleted, requiring me to re-upload the same materials again. 

Despite XXXX confirming in writing that they had received the will and death certificate, they continued to demand additional documentation that was already included and clearly stamped by the probate court. 

Most recently, XXXX demanded that I provide original, unscanned copies of the documents. This request is unreasonable and impossible to satisfy, as : * The documents are hard copies by nature * The probate court itself issued the stamped probate electronically via email * The only way to upload hard-copy documents is by scanning them, which XXXX now refuses to accept No alternative method ( such as certified mail submission ) has been offered. 

To be clear, XXXX XXXX and XXXX XXXX have already transferred ownership and access using the exact same documentation without issue. XXXX is the only financial institution refusing to complete the transfer, and their actions appear to be creating unnecessary barriers that prevent lawful estate administration. 

This prolonged delay has caused : * Emotional distress following my fathers death * Administrative hardship in settling the estate * Unjustified denial of access to estate assets

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C.1692g ). 



I dispute the validity of this alleged debt and request full validation. Please provide the following : XXXX. The amount of the debt, including an itemized breakdown of principal, interest, fees, and any other charges XXXX. The name and address of the original creditor XXXX. Copies of any signed agreement, contract, or application showing I am legally obligated to pay this debt XXXX. Proof that your company is licensed and authorized to collect in my state XXXX. Documentation showing you own the debt or have legal authority to collect it XXXX. The date of last payment and the date the debt became delinquent Until this information is provided, you must cease all collection activity, including reporting or verifying this account with any credit reporting agency. 



If you have already reported this debt to a credit bureau without providing proper validation, you are in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 



Please note that I am requesting verification, not acknowledgment of responsibility for this debt. 



Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
I am filing this complaint regarding unlawful debt collection activity by KeyBridge Medical Revenue Care, which is attempting to collect a medical debt that does not belong to me. 

On XX/XX/year>, I received a collection notice from KeyBridge ( Account # XXXX ) alleging a total balance of {$2100.00}. The notice states Multiple creditors see back and references XXXX XXXX XXXX as the original creditor. 

Upon reviewing the detailed breakdown provided by the collector, the alleged debt consists of XXXX separate charges : Date of service XX/XX/year> balance {$1800.00} Date of service XX/XX/year> balance {$280.00} These alleged services do not belong to me. I did not receive medical services from XXXX XXXX XXXX on those dates, nor did I authorize treatment, billing, or assignment of any account related to these charges. 

The collector has failed to provide : Any proof of my responsibility for this debt Any signed agreement, consent to treat, or financial responsibility documentation Any evidence that the services were rendered to me Any verification establishing that I am the correct consumer Despite this, KeyBridge is attempting to collect the debt and has issued a collection notice stating that this is a communication from a debt collector. 

This conduct constitutes violations of : FDCPA ( 15 U.S.C. 1692e ) false representation of the character or legal status of a debt FDCPA ( 15 U.S.C. 1692f ) unfair or unconscionable collection practices FCRA ( 15 U.S.C. 1681s-2 ) furnishing and attempting to collect inaccurate information about a consumer Attempting to collect a debt from the wrong consumer is unlawful. Any reporting of this account to consumer reporting agencies would also constitute furnishing inaccurate information under federal law. 

I dispute this debt in full and demand that : XXXX. All collection activity cease immediately XXXX. The alleged account be permanently closed with a XXXX balance XXXX. The collector confirm in writing that I am not responsible for this debt XXXX. No credit reporting is made, or if already made, it is immediately deleted

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