vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
XXXX Email used for purchase : XXXX Date of purchase or financing approval : XX/XX/XXXX Payment method ( Affirm, card, ACH, etc. ) : Affirm, XXXX XXXX  Amount paid or financed : XXXX Rep you spoke with ( XXXX, XXXX, etc. ) : XXXX Was the call recorded? Were you told it was? 
Yes with XXXX on zoom call. XXXX ( XXXX ) XXXX Key Violations ( Check all that apply ) [ ] I was told to use household income on my credit application [ ] I was not shown the refund policy until after payment [ ] I was pressured to sign quickly without reviewing the contract [ ] I was given an XXXX that tried to waive my legal rights [ ] The product/service was misrepresented ( e.g., custom platform was generic ) [ ] I was charged a different price than others for the same program [ ] I didnt receive a copy of the contract I signed [ ] I was discouraged from reading the full agreement [ ] I was told the platform was custom built, but it wasnt [ ] I was charged a different amount than {$4800.00} ( their most common price ) [ ] Other ( please describe ) : Evidence You Have [ ] Screenshots of chats or emails [ ] Signed contract or onboarding form [ ] Sales call recording or transcript [ ] Affirm approval email with timestamp [ ] Screenshots of the course platform [ ] Comparison with other clients materials [ ] Checkout links ( They likely texted you these ) [ ] Anything else ( describe ) Refund Status [ ] Ive already filed a chargeback [ ] Ive already received a refund [ ] I havent filed yet [ ] Ive filed with a regulator ( CFPB, FTC, AG ) cfpb [ ] I want help drafting my dispute Optional Notes Add anything else you think we should know timeline, rep behavior, pressure tactics, etc. he lied all this happened right when I lost my job of 4 year at generator install company. I was I. XXXX and this guy comes outta nowhere and scams me. 
XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: FL

Complaint narrative:
I paid this debt in full to Credit Control and received written confirmation that the account was paid and settled. Despite this, the company continues to report inaccurate and misleading information to the credit bureaus. Specifically, my XXXX  credit report shows seven missed payments, which is significantly damaging my credit history. 

This information is false and incorrect. The debt was fully paid, and no missed payments should be reported. 

I have contacted Credit Control multiple times by email requesting written confirmation of a XXXX balance and correction or removal of the inaccurate information from all credit bureaus. I have received no response. 

I previously filed a complaint, and the company claimed it could not respond due to a lack of information, despite the fact that I am the consumer who paid this debt and made multiple attempts to resolve this matter directly. 

I request that Credit Control provide written confirmation that the debt was paid in full and immediately correct or remove all inaccurate credit reporting from all credit bureaus, including XXXX XXXX and 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 2026-02-10 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: WA

Complaint narrative:
Credit card : American express There was a charge of {$120.00} on XX/XX/year> by XXXX. 
XXXX did not refund when I tried to cancelled the service, kept the charge but even cancelled the subscription after I tried to dispute the charge. 
American express sided with XXXX  saying the charge was valid even the subscription was discontinued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
TO : Consumer Financial Protection Bureau ( CFPB ) FROM : XXXX XXXX XXXX XXXX : XXXX. First Hawaiian Bank ( Routing : XXXX ) XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) DATE : XX/XX/year> SUBJECT : URGENT : FORMAL REPORT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), IDENTITY TRUNCATION FRAUD, AND THEFT OF FEDERAL SSI BENEFITS I. EXECUTIVE SUMMARY I am filing this formal enforcement request because for 18 months, First Hawaiian Bank and XXXX XXXX have failed to secure my assets and have ignored documented evidence of a high-level system breach. I have been locked out of my accounts while being subjected to a sophisticated financial hijack that has drained my crypto assets and federal SSI benefits. 
XXXX. TECHNICAL " XXXX  XXXX '' EVIDENCE The {$28.00} XXXX XXXX Breach : My account records at First Hawaiian Bank displayed a fraudulent balance of {>= $1,000,000}. This is evidence of a catastrophic failure of the core accounting software or a breach via the XXXX settlement network. This " XXXX XXXX '' error was used as a logic XXXX to mask unauthorized withdrawals. 
Identity Truncation Fraud : My assets were moved via " XXXX XXXX XXXX XXXX XXXX '' transfers using a truncated version of my name, " XXXX XXXX. '' XXXX and First Hawaiian Bank failed to verify this against my legal name, XXXX XXXX XXXX, allowing $ XXXX to be siphoned to a " mule '' account. 
Cross-Institutional Data Contamination : First Hawaiian Bank issued a " Closed For Cause '' flag to the XXXX  network based on the attackers ' activity. This flag has " poisoned '' my standing, causing XXXX to freeze my assets and other institutions to block my access to federally protected XXXX XXXX XXXX funds. 
XXXX. STATUTORY VIOLATIONS I am asserting violations of : Electronic Fund Transfer Act ( Regulation E ) : Failure to investigate unauthorized transfers within mandated timelines. 
XXXX ( Unfair, Deceptive, or Abusive Acts or Practices ) : Unfairly withholding access to my financial records and ignoring a documented {$28.00} octillion system error.

Social Security Act : Failure to protect federally exempt benefits from unauthorized bank-side sweeps and freezes. 
IV. DEMANDED RESOLUTION I demand that the CFPB initiate a formal inquiry to : XXXX First Hawaiian Bank to retract the fraudulent " Closed For Cause '' report. 
XXXX XXXX to provide the IP addresses and Device IDs for the " XXXX XXXX '' transfers. 
Compel both institutions to restore my full access to all frozen assets and SSI funds immediately.

I have filed multiple XXXX reports ( FBI ) and contacted Adult Protective Services regarding domestic interference and the theft of my mobile evidence. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
The hard inquiries from SYNCHRONY MASTERCARD Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX on XX/XX/year> & XXXX XXXX  Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX on XX/XX/year> These hard inquiries are fraudulent, as I was a victim of robbery on XX/XX/year>, my Social Security Card, Drivers License, & Permeant Resident Card were in my wallet. Altogether I had to dispute heavy credit card usage with the respective financial institutions I am genuinely associate with. I filed a police report on XX/XX/year> with the XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I currently have a case open as local law enforcement try to recover various stolen items. 
Case Number XXXX I've reached out to XXXX, XXXX & XXXX  to promptly try and resolve this issue.

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 2026-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I am disputing a collection account being reported in connection with a XXXX XXXX policy. After I canceled my auto insurance, XXXX assessed a balance and sent the account to collections. 

I did not receive or use any insurance coverage for which I did not pay. The amount being collected does not match my stated monthly premium and has not been properly itemized or explained. 

Neither XXXX nor the collection agency has provided documentation showing how this balance was calculated, including earned premium dates, cancellation date, or any short-rate or administrative fees. 

Under the Fair Debt Collection Practices Act and Fair Credit Reporting Act, a debt must be accurate, verifiable, and properly validated before being reported or collected. This account does not meet those standards. 

I am requesting full validation of the alleged debt or immediate removal of the collection account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I want to state very clearly that I have never had a XXXX phone or XXXX service at any time in my life. I have never provided XXXX with my identification, Social Security number, or any personal information, nor did I ever authorize XXXX anyone elseto open an account on my behalf. 

Any XXXX account associated with my name is fraudulent and was opened without my knowledge or consent. I am a confirmed victim of identity theft, and this matter has caused financial and emotional distress, as well as issues with my banking and credit activity.

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 2026-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: AmeriCollect
State: FL

Complaint narrative:
My medical insurance was supposed to cover bill but this company keeps calling and texting back to back after telling them to stop contacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
This is the XXXX time that money has come missing out of my account after taking multiple screenshots of my deposits, pending and post transactions daily that your balance the day before and the day after were exactly the same after {$1000.00} deposit was deposited and the balance was exactly the same {$1000.00} is just completely missing from the daily balance Basically before, and after the deposit was made, the balances are completely the same

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 2026-02-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
I submitted my XXXX  transfer for the XXXX account via XXXX on XX/XX/year>. Optum ( inexplicably ) can not transfer assets. That means that I had to liquidate my account ( a taxable event in California ) prior to the transfer going through. 

XXXX says the request was sent to Optum on XX/XX/year>. No word at all from Optum. Just cash sitting in my account doing nothing. 

I called Optum this morning. They said they just received XXXX 's request on XX/XX/year> ( more than 3 weeks after XXXX sent the request... ). Per the rep at Optum, the actual transfer could take up to 6 weeks now that they've received the request. 

This is egregious and an obvious attempt for Optum to keep funds on their books and prevent consumers from freely moving their account elsewhere. The need to liquidate holding ( something the XXXX system is SPECIFICALLY designed to work around ) is truly unbelievable. On top of all this, Optum charges a fee to outgoing XXXX transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I'm writing to report an issue with my Cash App account. I received a text message claiming my account was temporarily suspended. When I responded, I was asked to provide account information, which I did. Shortly after, my account was compromised, and unauthorized transactions were made to unknown recipients. 

I immediately contacted Cash App ( within XXXX minute of the breach ) and requested they freeze the transactions. Although they took down the information, they didn't freeze the funds, and the transactions were processed. 

I filed a claim and was asked how I'd like to receive my refund ( new account or check ). However, I never received the refund. I received an email stating my dispute was denied. 

Despite multiple attempts to contact Cash App, I've been unable to get a satisfactory resolution. I've requested a phone conversation with a supervisor, but they've declined, stating a supervisor will email me instead. 

I'm now facing financial hardship due to the loss of funds meant for rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX sent only a collection letter and settlement offer. They provided NO validation documents : no original agreement, no billing statements, no proof of collection authority, no documentation showing I was responsible after moving out, no explanation of deleted XXXX XXXX XXXX account access. Despite failing to validate, XXXX reports to credit bureaus causing mortgage denial. XXXX  and XXXX  deleted this account after investigation, proving XXXX can not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank took retaliatory " Adverse Action '' by slashing my {$7000.00} credit limit to {$390.00} ( my current balance ), effectively blocking me from using the card and causing a XXXX drop in my credit score. This action was triggered by a {$110.00} fee dispute on a separate Synchrony account ( XXXX XXXX ), where Synchrony failed to notify me of an Autopay failure. See Complaint XXXX. 

The reasons provided in the XX/XX/year> letter are factually and logically flawed : - " Lack of Real Estate Secured Loan '' : I own my home free and clear. Penalizing a consumer for high financial stability ( zero housing debt ) is a failure of risk modeling. 
- " Average Time Since Accounts Opened '' : My oldest account is 7+ years old.

- " Bankcard Balances '' : the high balance on a single card issued by XXXX XXXX XXXXXXXX is due to strategic balance transfers. That card, like every one of my cards, is in good standing and paid on time. It is literally none of Synchrony 's business and a clear indication their reasoning is without merits. If XXXX  XXXX XXXX is ok with our arrangement, Synchrony can not hold that against me. 
- " Too Few Installment Accounts Recently Paid As Agreed '' : This is a circular and bad-faith justification. The only " installment '' account in question is the XXXX XXXX account ( Complaint XXXX ), which I paid in full ( principal ) three months early. Synchrony is using its own failure to provide Autopay notificationsand the resulting dispute over {$110.00} in feesto claim I am not " paying as agreed, '' despite my perfect payment history across my other five Synchrony accounts. 

I have 5 accounts with Synchrony and pay ~ $ XXXX, on time, for years. Synchronys automated system is effectively sabotaging a highly profitable, low-maintenance relationship. As a customer who pays approximately {$1000.00} monthly across 5 accounts, I generate significant interchange fee revenue for Synchrony. I have a multi-year history of perfect, on-time payments. By slashing my limits over a {$110.00} fee disputecaused by Synchronys own lack of notificationthe bank is 'shooting itself in the foot ' by destroying the credit utility of a loyal customer who has never cost the bank a penny in defaults. It is financially illogical to alienate a high-volume user over a technical autopay error. This automated " risk '' assessment ignores my total relationship value and punishes me for a fee dispute caused by Synchrony 's own notification failure. I demand a manual human review and restoration of my credit line.

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 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To Whom It May Concern : I dispute this debt and request full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide the following documentation : Proof that I am legally obligated to pay this debt The name and address of the original creditor The complete original account number The full account history, including charges, payments, interest, and fees A copy of the original signed contract or agreement Proof that Midland Credit Management has legal ownership of this debt Documentation showing the date of last payment and date of default Proof that this debt remains within Floridas statute of limitations Until this information is provided, you must cease all collection efforts, including phone calls, credit reporting, and legal action. 



This letter is not an admission of liability, and I do not consent to telephone contact. All future communication must be made in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX regarding an incorrect customs declaration on shipment XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) instructed me via email to pay the duty invoice first and then dispute with their billing department afterward. I followed this merchant-directed instruction and paid {$1000.00} through PayPal. 

On XX/XX/XXXX, I contacted XXXXXXXX XXXX billing department as instructed. On XX/XX/XXXX, XXXXXXXX XXXX Query Handling XXXX  ( XXXX XXXX  ) requested supporting documentation to file a Post-Entry Amendment with XXXX XXXX and XXXX XXXX. I submitted all requested documents on XX/XX/XXXX. On XX/XX/XXXX, XXXX confirmed they submitted a dispute case to their Dispute Resolution Team under reference number XXXX. 

XXXX describes this XXXX XXXX filing as a professional service offered at a charge of {$90.00} per entry, as stated in multiple emails from their billing support team dated XX/XX/XXXX and XX/XX/XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX, I sent at least XXXX documented follow-up emails requesting confirmation that the filing had been submitted to XXXX, including any XXXX  reference number, submission date, or receipt. XXXX responded each time with generic statements such as " still under review '' and " backlog with XXXX XXXX '' but never provided any evidence that the Post-Entry Amendment was actually filed with XXXX. 

I opened a PayPal Purchase Protection dispute on XX/XX/XXXX. PayPal denied the claim on XX/XX/XXXX ( Case ID : XXXX ), stating the purchase was not covered under Purchase Protection. PayPal did not provide any specific explanation of what evidence was reviewed or why the service non-performance claim was excluded. On XX/XX/XXXX, I changed the case type to 'Not as described ' and provided detailed additional information reframing this as a service non-performance dispute. This case is currently awaiting the seller 's response with an estimated resolution date of XX/XX/XXXX. 

I am filing this CFPB complaint because PayPal 's initial denial failed to address the core issue : whether XXXX actually performed the paid filing service. PayPal did not require XXXX to provide any proof of service delivery before denying my claim. I am concerned that the reopened case may receive the same superficial review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: Chime Financial Inc
State: MA

Complaint narrative:
I am submitting this complaint regarding an unauthorized transaction processed by XXXX in connection with XXXX XXXX, which was charged to my account without my knowledge or consent. 

On XX/XX/year>, a transaction in the amount of {$940.00} was processed at approximately XXXXXXXX XXXX. I did not authorize, approve, or benefit from this transaction in any manner. 

Upon discovering the charge, I immediately contacted my financial institution and filed a dispute. The dispute reference number is # XXXX, and the case is currently marked as in progress with an agent investigating the matter. 

Despite taking timely action, I am concerned about the lack of adequate consumer protection, transparency, and safeguards by XXXX and/or XXXX XXXX to prevent unauthorized transactions. I believe this charge qualifies as an unauthorized electronic fund transfer under the Electronic Fund Transfer Act ( EFTA ).

Company response to consumer: Closed with explanation