vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against Citizens One for violating my consumer rights by transmitting inaccurate, unverified, and highly damaging information to XXXX. This specific account is appearing as a negative derogatory item exclusively on my XXXX report, while my other credit bureau profiles do not reflect this adverse history. This blatant reporting mismatch proves that the data being furnished is non-compliant and lacks proper validation. Under federal law, financial institutions are strictly prohibited from reporting inaccurate or inconsistent account history that damages a consumer 's creditworthiness. I am invoking my rights under the following state and federal statutes : Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) : This statute dictates that furnishers of credit information have a strict legal duty to provide accurate details and must investigate or remove any information that is found to be incomplete, inaccurate, or inconsistent. Texas Finance Code 392.304 : This state law explicitly prohibits a creditor from misrepresenting the character, extent, amount, or legal status of a consumer debt. Furnishing conflicting credit histories across different bureaus directly violates this code.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I filed a dispute in XX/XX/XXXX for merchant misrepresentation beginning on XX/XX/XXXX ( Remedy Meds for marketing unapproved new drugs and making false, misleading, and misbranded claims ) backed by an XXXX warning letter concerning Goldman Sachs gave a final resolution deadline of XX/XX/XXXX. They have missed their own deadline, allowed the merchant to issue unauthorized monthly installment refunds, which violates the Fair Credit Billing Act 's XXXX resolution limit by not offering a full refund transaction to unwind the purchase, Key details of the XXXX warnings XXXX Remedy Meds : Unapproved Drugs : The products are compounded and have not been reviewed by the XXXX for XXXX, quality, or effectiveness. Misleading Claims : XXXX Meds improperly implied their products were identical to XXXX, branded medications. XXXX Violations : The companies often utilized branding that obscured the actual compounder, making it difficult to trace the product source. Risks : The XXXX warns that these compounded products may have unknown quality and could be dangerous, with reports of dosing errors, serious adverse events, and potential contamination. Action Required : The XXXX advises consumers to be cautious of purchasing such products and encourages checking if a company has received a warning letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: CA

Complaint narrative:
his company has failed to provide the validation information required under 12 CFR 1006.34 ( b ) ( 5 ). Despite not providing the required validation details, the company has continued to report this collection account on my credit report. I am requesting that this matter be investigated and that the account be removed if the information can not be properly validated and verified. I have made attempts to resolve these issues directly with the agency, but the violations have continued. As a result, I am requesting that this matter be addressed immediately. If the information being reported can not be properly verified and corrected, I request that the account be removed from my credit report.

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 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Klarna AB
State: CO

Complaint narrative:
I placed an order on XXXX using XXXX installment plan but cancelled it the same day because I decided to order a different item instead. {$180.00} was charged to my card ; while the transaction shows up in the Klarna app, it doesn't appear in my banking appeven though the money was actually debited. Klarna claims to have issued the refund and told me to wait until XX/XX/XXXX for it to process. However, I still haven't received the money. They gave me a tracking number to provide to my bank, but the bank can not see the refund, even though Klarna insists they sent it. I have contacted Klarna support several times ; they assign a XXXX to my case, but ultimately, no one ever gets back to me. Please help me get my money back. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I had sold my travel trailer on market place the I went out of town I wasn't available XXXX of the payments that was do. I had a friend who is a elderly women go and get the money an go Into dollar general and load the money onto her PayPal then transfer To my pay pal. when she did she accidently put down for goods and services and not friends and family.now paypall has permanently locked my account. I have been the phone begging I get these funds released it was done through a store so the funds are forsure. I have even emailed the XXXX of PayPal stating it was a accident. please help me today was my kids bday an I couldn't get them gifts because if tis

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am filing a complaint regarding Capital One 's handling of a credit card account and the resulting late-payment reporting. Capital One previously responded to CFPB Complaint No. XXXX. In that response, Capital One acknowledges that the ZIP code associated with this account was incorrect and was corrected during my XX/XX/2026 telephone call. Despite acknowledging the address issue, Capital One shockingly continues to maintain that no servicing error occurred. I opened the account in XX/XX/2026. I never received the physical card and never received ANY billing statements prior to my complaint. The first indication that there was a problem was when I received an email regarding a missed payment. Notably, this email was sent to a business-use email address associated with a different Capital One account rather than to an email address I specifically provided for this account. When I contacted Capital One on XX/XX/2026, the agent updated their system to correct the ZIP code associated with the account. However no statement was sent. Despite acknowledging the address error, Capital One continues to maintain that no servicing error occurred. At the same time, according to its own response, Capital One refunded multiple late fees and interest charges that had been assessed on the account obviously in recognition of their error ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: AL

Complaint narrative:
I filed a previous complaint ID XXXX against Waypoint Resource Group LLC about a collection they put on my credit bureaus. This is not my debt. Waypoint Resource LLC response was they will remove collections from my credit bureaus report. They removed it from Transunion and Experian but refused to remove it from my Equifax report. I am requesting Waypoint Resource Group LLC to remove this collection from my Equifax report within XXXX to XXXX hours are I will file a lawsuit against this company. Please see Waypoint Resource Group LLC previous response : Company responded STATUS Company responded on XX/XX/year> RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your dispute with Waypoint Resource Group. Credit Bureaus were updated and withdrawn XX/XX/year>. Please allow XXXX days for the removal to reflect on your credit report. We have also ceased all communication including phone number and email. To validate the removal we recommend visiting Experian, Equifax, or Transunion. At times third party sites could reflect invalid information. Thank you, XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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 2026-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Flexible Finance, Inc.
State: CA

Complaint narrative:
Subject : Unfair, Deceptive, and Abusive Acts and Practices ( UDAAP ) - Payment Access Lockout and Tech-Enabled Default Trap Amount Disputed : {$890.00} Dates of Interaction : XX/XX/year> XX/XX/year> Description of Issue : I am submitting this formal complaint against the financial technology platform Flex ( XXXX ) for creating an artificial payment default trap by blocking portal access and systematically refusing to accept payment via alternative channels. On XX/XX/year>, I attempted to log into the online portal to update my payment information and fully pay off my remaining balance of {$890.00}. The portal completely failed to grant access due to a persistent technical issue on the company 's end. I immediately emailed customer support to alert them of this lockout and requested a secure alternative method to fulfill my obligationsuch as a manual billing link, phone processing, or a physical mailing address to send a check. Between XX/XX/XXXX and XX/XX/year>, I sent dozens of explicit emails detailing the portal error and re-stating my complete willingness and immediate ability to clear the balance. The companys customer service systematically stonewalled me. They used automated, rigid scripts that ignored my text and repeatedly directed me back to log into the exact broken online portal that is locked. On XX/XX/year>, I issued a XXXX and final email serving formal notice that their tech lockout constitutes a " prevention of performance '' under California contract law. By completely replacing human-managed support with broken automated loops, the company is actively preventing me from making my payment before the upcoming deadline. This represents a clear unfair and abusive financial practice designed to trigger artificial defaults, late penalties, or negative credit bureau reports. Desired Resolution : I request that the CFPB compel Flex to : Assign a human XXXX to contact me via phone or secure link to accept and process the {$890.00} payment immediately outside of the broken online portal. Issue a strict waiver ensuring no interest, administrative fees, or late penalties accumulate due to this company-enforced delay. Provide a written guarantee that no adverse, inaccurate credit reporting will be sent to the credit bureaus regarding this balance. I have attached a complete, timestamped PDF archive of all XXXX email communication attempts to prove my good-faith performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FC HoldCo LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FLAGSHIP CREDIT ACCE XXXX XXXX XXXX, TX XXXX RE : Dispute of Alleged Debt and Improper Credit Reporting To Whom It May Concern : I am writing to dispute the alleged debts that your company is reporting under account number XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), as amended by Regulation F, including 12 CFR 1006.34, debt collectors are required to provide consumers with a validation notice containing the information required under 12 CFR 1006.34 ( b ), including the disclosures set forth in 1006.34 ( b ) ( 5 ) regarding the consumer 's rights to dispute the debt and request original creditor information. To date, I have not received a compliant validation notice containing the information required by 12 CFR 1006.34 ( b ) ( 5 ). Despite your failure to provide the required validation information, your company has furnished information concerning this alleged debt to consumer reporting agencies. Because you have failed to provide the required validation information and have not established the accuracy and completeness of the information being reported, I dispute the validity of this alleged debt in its entirety. Accordingly, I request that you : Provide competent evidence that I am legally obligated for this debt ; Provide a complete copy of the validation notice required by 12 CFR 1006.34 ; Provide documentation showing the amount claimed is accurate ; Identify the original creditor and provide documentation establishing your authority to collect ; Cease reporting this account to any consumer reporting agency until the dispute is properly investigated and resolved ; and Request deletion of any inaccurate or unverifiable information currently being reported. If you can not provide sufficient documentation validating this debt and demonstrating compliance with applicable federal law, I request immediate deletion of the account from all consumer reporting agencies to which you have furnished information. This letter is not a refusal to pay but a notice that I dispute the debt and request validation and investigation of the information being reported. I reserve all rights and remedies available under the FDCPA, the Fair Credit Reporting Act ( FCRA ), Regulation F, and applicable state and federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: GA

Complaint narrative:
I am disputing an unauthorized transaction on my card. Someone used my Chime card without my permission. I did not authorize these purchases and did not recieve any benefit from them. I also received fraud alerts from another financial institution regarding attempted charges on another card that was in the same wallet, which further supports that my cards were being used by someone else. I am requesting that XXXX & Chime investigate these unauthorized transactions. I contacted Chime and they did an investigation twice into my account and found no errors in the unauthorized transaction, but I know that my money was stolen from me. They stole {$210.00} from me on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My name is XXXX XXXX. I am a victim of an activeXXXX XXXX XXXX XXXX XXXX. The perpetrator gained unauthorized access to my personal identifying information, breached my Robinhood profile, altered my login credentials, and locked me out of my brokerage account completely.Because this is a high-dollar felony identity theft totaling nearly {$4000.00} across my profiles, my assets are at immediate risk of unauthorized liquidation or transfer. A formal criminal case is open at XXXX police department under Police Report XXXX. I demand that Robinhood Corporate Fraud Operations execute an immediate administrative security freeze on my profile, halt all pending or future external bank transfers, cancel any unauthorized stock/crypto liquidations, and safely restore my access once identity verification is completed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I believe this company has failed to provide the validation information required under 12 CFR 1006.34 ( b ) ( 5 ). Despite not providing the required validation details, the company has continued to report this collection account on my credit report. I am requesting that this matter be investigated and that the account be removed if the information can not be properly validated and verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: KS

Complaint narrative:
I have become aware of an account and related debt associated with my identifying information that I do not recognize and did not authorize. I did not apply for, receive, or benefit from this company. The existence of this account raises concerns that my personal information may have been used by another individual without my knowledge or consent. Due to these concerns, I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I believe I was the victim of a XXXX. I received a phone call from someone claiming to be associated with FedEx and they told me there were issues with a delivery and payments were required. They pressured me to make urgent wire transfers. I was told my XXXX was aware and that someone would arrive at the restaurant, which made it seem legitimate. I followed their instructions over several hours and sent multiple wire transfers from my personal Chase bank account totaling approximately {$6000.00} to different individuals in XXXX. After the transfers were completed, the caller stopped responding and the phone calls are now unanswered. I have since reported the issue to my bank ( Chase ) and they have opened a fraud case. I am reporting this as I believe I was deceived into authorizing these transfers under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems LLC {$1000.00} They keep repeatedly calling and texting my phone when I told them I know nothing about this debt. I also see I have been charged with it and my scores has dropped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
I am filing this complaint against my dermatologist/healthcare provider for deceptive billing practices, and against Harris & Harris ( collections agency ) for failing to respond to my dispute in violation of the FDCPA. I visited my XXXX for a routine annual XXXX XXXX a preventative visit fully covered under my employer-sponsored XXXX plan . I confirmed coverage at booking, at check-in, and the doctor verbally confirmed it was preventative during and at the end of the appointment. At no point was I informed my visit could be reclassified or that I would face any out-of-pocket cost. During the visit, the doctor asked if I had any questions. I mentioned I sometimes get breakouts and asked why. She answered briefly and confirmed once more as I left that it was preventative. I was later billed over {$200.00} after the visit was reclassified as diagnostic because of that one question which my doctor prompted. I was never informed this could happen. I disputed the charge multiple times with the provider with no response. When I finally reached someone, I was directed to contact the doctor 's office. I did and never heard back. The bill was sent to Harris & Harris collections. Upon receiving the Harris & Harris notice on XX/XX/year>, I submitted a dispute through their official dispute link. As of XX/XX/year> 49 days later I have received no response or acknowledgment, in violation of the FDCPA. I am requesting the CFPB investigate both parties, require the visit be recoded as preventative, the charge removed, and the collections account recalled and cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Im writing to file a complaint against Portfolio Recovery Associates , LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
Two collect was placed on my XXXX credit report by a company named Collection Management. The collection amount for the medical bill was XXXX. Its two accounts with the same account number. I had dispute these accounts with XXXX but they keep coming back verified by XXXX. I have asked this company for proof of Validation notice. I have asked them for agreement of transfer assignment agreement. I have asked for the Original contract of debt, and I asked for the flow agreement. I have not gotten no respond back from the company.

Company response to consumer: Closed with explanation