vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
On XX/XX/2026, I reviewed my credit report and discovered a collection account reported by Transworld Systems in the amount of {$2900.00}. This account is negatively impacting my credit score. I immediately contacted Transworld Systems and spoke with a representative via Phone call. I was informed that the alleged debt originated from a closed or suspended XXXX account. I explained that I do not recognize this debt and disputed both its validity and the amount being reported. The phone line associated with this account was disconnected and paid in full before any balance of this size could have accrued. I requested an itemized statement and documentation validating the debt, including an explanation of how the balance was calculated. I provided my mailing address for this information to be sent to me. More than 30 days have passed since my request, and I have not received any documentation validating the debt. Despite my dispute, the account continues to be reported on my credit file. I am requesting that Transworld Systems provide proper validation of this debt or remove the account from my credit report if they can not substantiate it. I also request that any inaccurate reporting be corrected and that the account not be reported as valid until the debt has been properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 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: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I am submitting this complaint because Robinhood XXXX XXXX denied my dispute of multiple fraudulent charges despite substantial evidence that the merchant was unauthorized and provided no services. Between XX/XX/2026 and XX/XX/2026, my card was charged XXXX times by a merchant called " XXXX '' in the amount of {$95.00} per transaction, for a total of {$1200.00}. The charges occurred on : XX/XX/2026 ( {$95.00} ) XX/XX/2026 ( {$95.00} ) XX/XX/2026 ( {$95.00} ) XX/XX/2026 ( {$95.00} ) XX/XX/2026 ( {$95.00} ) XX/XX/2026 ( {$95.00} ) XX/XX/2026 ( {$95.00} ) XX/XX/2026 ( {$95.00} ) XX/XX/2026 ( {$95.00} ) XX/XX/2026 ( {$95.00} ) XX/XX/2026 ( {$95.00} ) XX/XX/2026 ( {$95.00} ) XX/XX/2026 ( {$95.00} ) I did not knowingly authorize these recurring charges and did not receive any goods or services from the merchant. After discovering the charges, I promptly reported them to Robinhood through its dispute process, provided supporting information, and immediately canceled my card to prevent further unauthorized transactions. Robinhood denied my dispute, stating that there was insufficient evidence, but did not provide documentation demonstrating that I authorized the transactions, nor did it provide evidence that any services were delivered to me. I requested assistance through Robinhood 's support channels but was unable to obtain a meaningful review or explanation of the denial. I believe Robinhood failed to conduct a reasonable investigation of these disputed transactions. At a minimum, I would expect the issuer to verify that the merchant can demonstrate authorization for the recurring charges and evidence that services were actually provided. To date, I have not been shown any such evidence. I am requesting that Robinhood reopen and reinvestigate my dispute, provide the evidence relied upon in denying the claim, and credit my account for the disputed charges if the merchant can not demonstrate valid authorization and delivery of services. I am also requesting that Robinhood explain how it concluded that these transactions were valid despite my report that they were unauthorized, my immediate efforts to stop further charges, and the lack of any services received from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was very randomly informed not by the comenity bank, but by XXXX XXXX that my account was closed. I was never notified. I have not had even 1 missed payment since having this car in XXXX. This has also happened with comenity with a different store card ( XXXX XXXX ). I honestly did not know that carters was with them because i have tried avoiding them like the plague. Furthermore, they randomly drop your limit right after a payment which while i understand is not prohibited but to do so all the time and lower people 's credit with it is extremely predatory and bad business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 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: Kriya Capital, LLC
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I'm a single mother doing everything I can to hold my life together, but lately it feels like I'm drowning. Everyday day is a struggle to make ends meet. I lie awake at worrying about bills, food and how I'm going to provide for my child. The stress is constant, and the weight of carrying everything on my own becoming harder to bear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I am submitting this complaint regarding deferred interest charges on my Home Depot Citi Credit Card account. On XX/XX/XXXX, I purchased a furnace through XXXX XXXX for approximately {$8000.00} using promotional financing offered through a Home Depot Citi Credit Card. At the time of purchase, the financing was presented to me as " interest-free financing. '' Based on that representation, I reasonably understood the promotion to be a standard no-interest financing arrangement. I enrolled in automatic payments and continued making payments in good faith. In XX/XX/XXXX, I discovered that more than {$5000.00} in deferred interest charges had been added to my account because the promotional balance was not fully paid by the expiration date. Citi 's position is that the deferred interest terms, accrued interest amount, and promotional expiration date were disclosed on monthly statements. However, I had elected paperless billing for this account, and I was unable to access or download the PDF statements from my online account. When I click on the statement PDFs, nothing happens. This issue affects all available statements, not just one or two months. Because I did not have practical access to the statements Citi now relies upon, I did not have meaningful notice of the deferred interest consequences. Had I understood that a remaining balance would result in over {$5000.00} in retroactive interest charges, I would have taken immediate action to avoid that outcome. I contacted Citi and requested executive review ( Citi Reference Number : XXXX ). Citi declined to waive any portion of the deferred interest charges and stated that the information was available on the monthly statements. My concern is that Citi is relying on disclosures that were not meaningfully accessible through my paperless account. This was never an attempt to avoid responsibility. I consistently made payments through autopay and acted in good faith based on my understanding of the financing arrangement. I am a long-time Citi customer and also maintain a Citi XXXX credit card account. I respectfully request that Citi reconsider these deferred interest charges and provide a goodwill adjustment, waiver, or other reasonable resolution. Thank you for your review.

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 2026-05-31 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: CITIBANK, N.A.
State: OH

Complaint narrative:
The case with city bank ( card ) been created ( XXXX ID : XXXX ) for full compensation for stay in XXXX XXXX XXXX XXXX ( services been purchased via city travel and services provided not as advertised ). Amount of claim is {$950.00}, transaction date XX/XX/year>. In dispute resolution letter from citi bank the following reason been provided " Through our investigation, of the information and facts available, we were unable to identify or determine that a billing error occurred ''. I did not received any details on investigation performed and reply from hotel not been provided. Please assist with dispute processing.

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 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding Credit Collection Services and a collection account in the amount of {$130.00} that is currently being reported on my consumer credit reports. I dispute the validity, accuracy, and completeness of this account. Although Credit Collection Services is furnishing information regarding this alleged debt to consumer reporting agencies, I have not been provided with sufficient documentation establishing that I am legally responsible for the debt or that the amount being reported is accurate. The account is negatively impacting my credit profile and may affect my ability to obtain credit, housing, insurance, and other consumer services. Given the consequences associated with collection reporting, I believe any information furnished to consumer reporting agencies should be supported by documentation and capable of being independently verified. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, requires furnishers of information to provide accurate information to consumer reporting agencies and to conduct a reasonable investigation when the accuracy of reported information is disputed. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., provides consumers with the right to obtain information concerning alleged debts and to dispute debts they believe are inaccurate or unsupported. At this time, I have not received documentation sufficient to establish : The identity of the original creditor The date the alleged obligation was incurred A complete itemization of the balance being reported Documentation demonstrating how the balance was calculated Documentation establishing that I entered into an agreement giving rise to the alleged debt Documentation demonstrating that Credit Collection Services has the legal authority to collect and report the account Because the account continues to be reported on my credit reports, I am concerned that information may be furnished without sufficient supporting documentation. Reporting a collection account without maintaining adequate records to substantiate the debt raises legitimate concerns regarding the accuracy and verifiability of the information being reported. I am not refusing to pay a debt that is valid. Rather, I am requesting documentation sufficient to establish that the debt belongs to me, that the amount being reported is accurate, and that Credit Collection Services has a lawful basis for its collection and reporting activities. Despite the ongoing reporting of this account, I have not received documentation that adequately addresses these concerns. As a result, I am requesting CFPB assistance in obtaining a meaningful review of this matter and a substantive response from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding collection accounts appearing on my credit report that do not belong to me. I actively monitor my credit, and these accounts were reported without my knowledge or authorization. I have never had any involvement with or approved these accounts, and it is unacceptable and concerning to see inaccurate information associated with my name. I am requesting an immediate investigation and prompt correction of this matter without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I am submitting this complaint regarding Columbia Debt Recovery LLC d/b/a Genesis and a collection account in the amount of {$3200.00} that is currently being reported on my consumer credit reports. I dispute the validity and accuracy of this account. The account is being furnished to consumer reporting agencies and has had a negative impact on my credit profile. However, I have not been provided with sufficient documentation establishing that I am legally responsible for the alleged debt or that the amount being reported is accurate. The Fair Credit Reporting Act requires that information furnished to consumer reporting agencies be accurate and capable of verification. In addition, consumers have the right to obtain information necessary to evaluate the validity of an alleged debt. Given the significant balance being reported, I believe the company should be able to provide documentation supporting the debt and the information being furnished to the credit bureaus. I have requested documentation regarding this account, including information identifying the original creditor, a complete accounting of the balance claimed to be owed, documentation establishing my responsibility for the debt, and documentation demonstrating the company 's authority to collect the account. To date, I have not received sufficient documentation to resolve my concerns. Because this account continues to be reported on my credit reports, I am requesting that Columbia Debt Recovery conduct a thorough review of the account and provide documentation supporting its validity and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have been calling PNC, chatting with them, and messaging with them for two weeks. They have placed a hard hold on my provisional credit and have placed it in my ledger balance making my provisional credit unaccessible by me. I have advised them this is a violation of Regulation E. My funds are still being held. I do have one other bank account with them that they could have put the money into.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
recently discovered that your company is reporting the above-referenced account on my credit report. I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I dispute the accuracy and validity of this account and request that you provide the following : 1. The name and address of the original creditor. 2. The original account number. 3. The date the debt was incurred. 4. The amount of the original debt and an itemization of all interest, fees, and charges added. 5. Documentation bearing my signature showing that I agreed to assume responsibility for this debt. 6. Documentation proving your authority to collect this debt. 7. Documentation showing that the debt is within the applicable statute of limitations. 8. Proof that the information being furnished to the credit bureaus is accurate and complete. If you can not provide the requested validation, I demand that you cease collection efforts and notify all credit reporting agencies to delete this account from my credit file. Please note that reporting inaccurate, incomplete, or unverifiable information to consumer reporting agencies may constitute a violation of the Fair Credit Reporting Act. I request that all future communications regarding this matter be made in writing. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
I applied for XXXX card but company refused to grant me credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I requested that the company XXXX XXXX XXXX send a contract with my wet signature showing my actual signature of me agreeing to a contract with them they send me a computer generated signature that i didnt sign or agree to at all. Account isnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I sent a written debt validation request via email to Caine & Weiner regarding account # XXXX for an alleged debt of {$560.00} claimed to be owed to XXXX XXXX XXXX XXXX XXXX. They confirmed receipt of my email during a phone call on XX/XX/XXXX. During that same call they directed me to their payment portal at connectcw.com and required me to agree to their website terms of service before they would provide validation documentation. I refused as conditioning debt validation on agreeing to a third party website terms of service is not permitted under the FDCPA. On XX/XX/XXXX I received their verification packet. Upon review I identified the following specific irregularities : 1. The invoice is timestamped at XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX operates between XXXX XXXX and XXXX XXXX Monday through Saturday. Routine wellness services including multiple vaccines are documented as occurring at XXXX XXXX which is outside all normal business hours and is not consistent with accurate recordkeeping. 2. The XXXX invoice shows a total due of {$560.00}. Caine & Weiner 's collection letter claims {$560.00}. They are attempting to collect {$2.00} more than the original invoice amount in violation of FDCPA 15 U.S.C. 1692f ( 1 ) which prohibits collecting any amount not authorized by the original agreement. 3. The verification packet does not include a signed financial responsibility agreement bearing my signature establishing my legal obligation for these services as specifically requested in my XX/XX/XXXX validation letter. 4. No HIPAA compliance documentation was provided confirming that transfer of my personal and medical information from XXXX to Caine & Weiner was conducted lawfully. 5. The creditor is identified as XXXX XXXX XXXX XXXX XXXX in the collection letter but as XXXX XXXX XXXX XXXX XXXX on the invoice. No chain of ownership documentation was provided. 6. I have independent documentation including emails and financial records establishing that this visit did not occur with my knowledge or authorization on XX/XX/XXXX. This account is being reported to XXXX as an active collection and is negatively impacting my credit score. I have filed a dispute with XXXX regarding this tradeline. Despite my active validation dispute Caine & Weiner has continued collection activity including phone contact and credit bureau reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On Friday XX/XX/year>, my tenant XXXX XXXX sent a XXXX payment of {$3500.00}. On Sunday, XX/XX/year>, he sent a second XXXX payment of {$2900.00}. Both payments totaling {$6400.00} were sent to my U.S. mobile phone number as the XXXX recipient identifier. I received SMS confirmations from short code XXXX ( XXXX XXXX official XXXX XXXX XXXX ) stating that both payments had been depositado en XXXX XXXX de Wells Fargo ( deposited in your Wells Fargo account ). The notifications were in Spanish a language I do not speak and have never set as a preference on any financial account. The funds never appeared in any account I own. I do have an old, low-activity Wells Fargo checking account, and on XX/XX/year>, I called Wells Fargo customer service to investigate. The representative confirmed that my Wells Fargo account is NOT linked to my current phone number, and could not identify where the funds were deposited. I was told only the sender could initiate a recovery claim. The root cause appears to be a recycled phone number. I obtained my current phone number approximately two months ago. The previous owner of this number had it enrolled with Wells Fargo XXXX and apparently never deenrolled when they relinquished the number. Wells Fargo and the XXXX network failed to validate or refresh the phone-to-account enrollment, with the result that my tenants payments were misdirected to the previous owners account while I, the current owner of the phone number, received the SMS confirmations. My tenant XXXX XXXX has initiated a XXXX dispute through his own banks claim process. The bank quoted a 10-business-day investigation window. I am requesting that Wells Fargo : 1. Identify and freeze the receiving Wells Fargo account currently linked to my phone number 2. Coordinate with my tenants bank account to recall both XXXX transactions XXXX. Update its enrollment records to remove the stale phone-to-account link associated with my phone number XXXX. Implement enrollment validation processes that prevent recycled-number misdirected payments going forward

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