vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Chime Financial Inc
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I used XXXX XXXX to connect with a person to sell them a brand new XXXX XXXX for {$500.00}. They came to my office on XX/XX/year> paid via XXXX, turned on the XXXX there and had no issues. Then I never heard from that person again. On XX/XX/year> XXXX sent me an email saying they were investigating this issue and that the item was defective or not as described. I disputed this, but on XX/XX/XXXX XXXX said the case was completed and they put a {$500.00} charge on my account since I didn't have any money in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX XXXX froze my account. And told me I had to wait 180 to regain access to my money. I have XXXX dollars in there and they are holding it hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Barclays is stating that I charged {$70.00} to an account I had opened with them that day ( XXXX XXXX ) in store. I paid cash for this transaction- I have multiple witnesses that were with me in person that can attest to this. When I received the statement ( XXXX ) I called them and have disputed this several times ( XXXX, XXXX, XXXX, and XXXX ) with every venue they have offered for this fraudulent charge. The other problem with this company is the original limit for said card was {$5400.00} and they lowered it due to non-payment ( while I was actively trying to discuss issues with them ) which also negatively affected my credit score. The final solution they offered was to have the dispute reconsidered via regular mail to go through the exact same steps. Above this, I have been disputing with XXXX regarding these fraudulent charges and they have done nothing helpful through two disputes ( XXXX and XXXX ) with them. Both times I was not contacted nor given my side and they stated all the information is completely accurate.

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Flexible Finance, Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MoneyLion Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EdFinancial Services
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I paid of the entirety of the bill that I had left before the due date. They came back the next month and said that I owed interest because I didnt make the payment before the statement due date, which was not true. I paid it off before the bill was due. I ended up paying the interest fee and then got charged interest again because they stated I owed interest on top of the interest fee from the previous month. I tried calling them and talking to them on the phone and they stated that they had proof that it wasn't paid before the due date and thats why I was charged the interest. I have proof on my statements that is not the case. They keep calling me and stating that I owe interest on top of interest because I haven't paid it off and that I am not in collections. I want to close this account and it not affect my credit score but also for them to remove all of these interest charges and stop contacting me about it. Also, there interest rates are insane, how can anyone afford that??

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 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Longbridge Financial, LLC
State: FL

Complaint narrative:
I was involved in a bait and switch. Im an XXXX-XXXX female and was looking for a HELOC to do some renovations on my home to make it safer for my age. This financial institution took my 3.5 mortgage that Ive had for 26 years. It was formally with XXXX XXXX and was bought by XXXX XXXX XXXX. I went from a stable 3.5 Morgage into a 69 year Heloc at 7.6 % with very little cash going to me. I have contacted the Florida office of financial regulation and Floridas Attorney General. As an XXXX XXXX XXXX I was led to believe this was a staple financial arrangement instead I was moved from a stable 3.5 interest rate into a 69 year Heloc without a full understanding of the long-term financial consequences. The loan provides no tangible net benefit to me as the borrower as the vast majority of the equity was consumed by the swap, rather than provided as a cash in hand, the complexity of the loan swap was not adequately, explained, and the signing process did not meet the standards for informed Consent. I am seeking a full rescission of this transaction and reinstatement of my 3.5 % mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
MASTER TEXT FOR CFPB PORTAL Company Name : Block, Inc. ( d/b/a Cash App ) Consumer Contact Info : XXXX XXXX XXXX | XXXX | XXXX Description of Incident : On XX/XX/year>, I attempted to send a {$50.00} peer-to-peer transfer via Cash App to a family member, XXXX XXXX. Cash App 's user interface integrated with my device contacts and actively indicated that her contact information was associated with an active, valid Cash App destination profile under the XXXX $ XXXX. Relying on the platforms visual confirmation, I executed the transfer. Immediately following the transfer, the recipient informed me that she does not possess an active, verified, or usable Cash App account. The funds are currently floating in an unverified digital placeholder profile managed by Cash App. Upon noticing this error, I immediately contacted Cash App customer support to request a manual reversal of these uncollected, unverified funds. Rather than executing a standard cancellation for an uncompleted transfer, Cash App support marked the transaction status as " PAID_OUT '' and refused to assist. Cash Apps customer support agents are explicitly attempting to force a consumer ( the recipient ) to register a new account, download their software, and submit private data to the platform merely to bounce back my misdirected funds. This corporate practice represents an illegal tying arrangement and a clear violation of consumer protection standards. Furthermore, under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, financial institutions are obligated to establish transparent mechanisms to remedy misdirected transfers, particularly when the platform 's own interface misleads the sender regarding the active status of a recipient 's profile. Cash App is using predatory operational friction to retain consumer liquidity against the sender 's explicit directives. Fair and Desired Resolution : I demand that Block, Inc. ( Cash App ) immediately reverse the {$50.00} transaction from the unverified profile XXXX XXXX and credit the full amount back to my primary Cash App balance or my linked funding source. I request that an executive compliance officer handle this reversal manually, bypassing the automated chat support scripts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am submitting this complaint regarding deferred interest charges added to my XXXX account issued by Synchrony Bank. My promotional financing period expired on XX/XX/year>. On XX/XX/year>, I contacted Synchrony because I was specifically trying to avoid deferred interest charges and wanted guidance on what I needed to do. During that call, I was told that I still had 30 days to make the required payment. I trusted and relied on the information provided by the representative. On XX/XX/year>, when I contacted Synchrony to make a payment, I learned that approximately {$1500.00} in deferred interest had already been added to my account. I was surprised because I believed, based on the information I had received, that I still had time to avoid those charges. I never received any email, letter, text message, or other communication clearly explaining the specific payment amount required, the exact deadline, or that deferred interest would be added if payment was not received by that date. I contacted Synchrony multiple times and spoke with representatives and managers in an effort to resolve the issue. During those conversations, I received inconsistent information. After speaking with XXXX XXXX, XXXX, I was later told by another XXXX, XXXX, that the deadline was not XX/XX/XXXX as previously discussed, but XX/XX/XXXX. The explanation and dates provided to me changed during my attempts to obtain clarification. I requested a review of the XX/XX/XXXX call because I relied on the information provided during that conversation. However, no relief was offered and I was advised to file a complaint. I am requesting that Synchrony review the XX/XX/year> call, review the inconsistent information provided to me by its representatives and managers, and reconsider the deferred interest charges that were added to my account based on the information I received and relied upon.

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 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: MN

Complaint narrative:
I used Affirm at point of sale to purchase XXXX XXXX perfumes which were returned to the Merchant and tracked as delivered on XX/XX/year>. the Merchant confirmed receipt and advised me to notify Affirm that I had returned the products since that date I have submitted at least XXXX or XXXX return notifications on the Affirm website with no response. when I called Affirm, I can only get through to an AI agent that told me to notify the merchant that Affirm would be contacting them. XXXX stated they have never heard from Affirm. I opened a dispute ticket with Affirm and the only response I received was an email notification that the ticket was opened on XX/XX/year> and that " I should hear from a customer care agent within 24 hours, but I never received any further responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kikoff Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: IA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Credit Control Service Account number : XXXX Dear Credit Control Service, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contr act exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. Best, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation