vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: NM

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding inaccurate, misleading, and unverified credit reporting involving the following entities : XXXX XXXX XXXX XXXX XXXX XXXX Upgrade Inc . The account at issue is referenced as Account # XXXXXXXX XXXX XXXX XXXX XXXX This matter involves multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as outlined below. 1. Contradictory Reporting by Upgrade Inc . Upgrade Inc. is reporting this account as Sold ; was Charged-off and closed in XX/XX/XXXX. However, the same tradeline simultaneously reflects active balances and payment activity throughout XXXX and XXXX. This creates a factual impossibility, as an account can not be both closed/sold and actively reporting payments. This constitutes a violation of : FCRA 1681e ( b ) failure to ensure maximum possible accuracy FCRA 1681i failure to conduct a reasonable reinvestigation XXXX. Duplicative Reporting by XXXX XXXX XXXX XXXX XXXX XXXX is reporting a collection account for the same debt that was previously reported by Upgrade Inc . This results in duplicate reporting of the same obligation across multiple tradelines, which is misleading and negatively impacts my credit profile. Additionally, the balance reported by XXXX XXXX XXXX exceeds the original loan amount, raising concerns regarding accuracy and improper calculation. XXXX. Failure to Validate Debt Despite prior disputes, XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide adequate validation of this alleged debt as required under FDCPA 1692g. The account has been marked as verified, yet no supporting documentation has been provided to substantiate the accuracy of the reporting. 4. Failure to Conduct Reasonable Investigation All parties have been notified of these inaccuracies through prior disputes. However, the information continues to be reported without correction. This demonstrates a failure to conduct a reasonable reinvestigation as required under FCRA 1681i. 5. Consumer Harm As a result of these violations, I have experienced : Damage to my credit reputation Negative impact on my credit score Difficulty obtaining credit and favorable terms

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: TN

Complaint narrative:
I have tried calling customer service lines for both the Tennessee state government ( unemployment and social services offices ) and received no help. I called the rep line for WayToGo and also received no help. My funds are stuck in my account and can not be transferred to either a bank account, a XXXX account, or other payment apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
{$23000.00} was claimed as a dept I owe if this reporting agency cant verify any accurate and any 1099c information I would very much appreciate it if you can cease and desist the collection from my credit reporting accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: AMERIS BANCORP
State: VA

Complaint narrative:
I am filing this complaint because Ameris Bank is improperly refusing to subordinate a {$0.00} balance silent second downpayment assistance loan, despite the fact that I have met all contractual requirements under the Subordinate Note and Subordinate Deed of Trust. Ameris has not identified any contractual authority that allows them to deny subordination, and their refusal is causing direct financial harm by blocking my refinance into a significantly lower interest rate. The key facts are : The silent second loan has a {$0.00} balance and is fully satisfied. The XXXX refinance restriction in Section 3 ( A ) ( 2 ) has fully expired. I continue to occupy the property as required under the 5year Retention Period. The Retention Period requires prorated repayment only if the property is sold, which is not occurring. A refinance does not trigger repayment and does not violate the Retention Period. I am not requesting forgiveness or r emoval of Ameris lien ; Ameris may remain in second position exactly as before. Ameris has refused to subordinate but has not cited any clause in the Note or Deed of Trust that gives them discretion to deny subordination. Because Ameris is refusing to subordinate without contractual authority, I am suffering financial losses, including : Being unable to close on a refinance at a substantially lower interest rate Paying a higher monthly mortgage payment than necessary Risk of losing my rate lock Increased longterm interest costs due to Ameris refusal Ameris refusal is effectively blocking my ability to refinance, despite the fact that I have fully complied with all terms of the subordinate loan and the loan carries a {$0.00} balance. I am requesting CFPB assistance to ensure Ameris either : 1. Approves subordination, allowing them to remain in second position ; or 2. Releases the lien, since the subordinate loan is fully satisfied with a {$0.00} balance. I am also requesting that Ameris provide a written explanation identifying the specific contractual clause they believe gives them the right to deny subordination. To date, no such clause has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Failed to give credit under regulation E it passed 10 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The Fees Accessed With My Capital One XXXX XXXX XXXX! I Made One Cash Withdraw 8 Months AGO & They Keep Compounding Me With Fees From That In Addition To Regular APY ( Interest Fees ). They Have Made It Impossible To Pay The Card Off & Close The Card ( Therefore, The Credit Card Account, As Well )! Which Is My Goal! I Have Payed The Crash Withdrawal Off Several Times or Several Months AGO. Although, Their Policy Is I Have To Entire Balance Of The Credit Card Before They Stop Billing Me For The One Tyme Cash Withdrawal ( Of Which, I Was Unaware Carried A Monthly Fee, When I Choice To DO That Transaction ). Had I Known They Would Bill Me Until The Whole {$1100.00} Is Paid Off, I Would NOT Have Done That Type of Transaction. My Interest Charge : Cash Advances Was {$6.00} & Interest Charge : Purchases Was {$18.00} This Month ( XXXX ). I Have Paid {$400.00} In XXXX & XXXX On A Minimum Balance Charge Of {$58.00}. Numerous Times I Have Paid {$230.00}, {$300.00} & {$350.00} On Minimum Payments Like {$58.00}. Capital One Has Me In A Predicament, Where NO Matter How Much I Pay, With Their Reoccurring Interest Charges : For Purchases & The One Cash Advance I Made 8 Months AGO! So It Is Killing My Credit Score, Although, I Am @ The Point Where I Am Just GOING To Pay The Minimum Payment Required & Just NOT Use This Credit Card Account Because It Is NOT Feasible To Pay It Off. I Have Asked Them To Give Me Hardship Deferment, Lower The Interest Payments, & Take A Loss On The Total, In Order, Settle The Last Few Months. Their Customer Service Team via The Phone Refuses To Work With Me. As Is, They Have A Steady Income Of My Money With NO Date In Sight To Close The Card & Stop Their Constant Payments From Me. This Seems Illegal, Unethical, & BAD Fiscal Policies! Can You Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CT

Complaint narrative:
Consumer Financial Protection Bureau I am filing a complaint against Chime regarding their refusal to reimburse unauthorized transactions on my account. My wallet was stolen, and shortly after, multiple unauthorized transactions were made to XXXX using my debit card information. I did not authorize these transactions and have never given anyone permission to use my account for gambling activity. This was not an isolated incident. My separate bank account was also compromised and charged by XXXX, which clearly indicates that my financial information was stolen and used fraudulently across multiple accounts. I reported the unauthorized transactions immediately upon noticing them. Despite this, Chime denied my claim twice without providing sufficient evidence that the transactions were authorized by me. I requested that Chime provide any proof used in their decision, including IP address logs, device information, or authentication records, but this information has not been provided. Under the Electronic Fund Transfer Act ( Regulation E ), I am entitled to protection from unauthorized electronic fund transfers. These transactions were not authorized by me, and I acted promptly in reporting them. I am also in the process of filing an identity theft report through the Federal Trade Commission and can provide supporting documentation, including a signed fraud affidavit. These unauthorized transactions have caused financial harm, including overdraft issues on another account. I am requesting that Chime conduct a proper reinvestigation and reimburse me in full for the fraudulent charges. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NC

Complaint narrative:
On XX/XX/year> I requested {$3000.00} but {$300.00} was taken as an account fee so I was only give {$2700.00} but will have to pay the full amount plus the monthly fee. I am also repaying 39 % interest rate on top of a monthly fee with every payment. I then asked why my monthly payment was higher than shown and was told it's because I get paid twice a month instead of once. I have to make higher than scheduled payment plus pay the fee with each payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am filing this complaint against SoFi Bank regarding a direct deposit welcome bonus promotion that I believe was administered unfairly and without adequate disclosure. I opened a SoFi checking account and was offered a {$50.00} bonus for receiving {$1000.00} or more in direct deposits within a 25-day eligibility window ( XX/XX/XXXX through XX/XX/year> ). I made multiple deposits during this period totaling well over {$1000.00}. SoFi has since informed me that I received only {$990.00} in qualifying direct deposits, {$3.00} short of the threshold, because they excluded certain deposits from their count. Specifically, SoFi excluded deposits I received from XXXX and from my Found business account. These are legitimate ACH deposits from established financial platforms, and nothing in SoFi 's promotional terms indicated that deposits from these sources would be disqualified. I was not informed that SoFi would apply its own internal classification system to determine which deposits counted, nor was I given any opportunity to substitute qualifying deposits during the eligibility period. Had SoFi clearly defined what types of deposits would and would not qualify, I could have adjusted my behavior accordingly. Instead, I acted in good faith, met what I reasonably understood to be the requirements, and was denied the bonus on a {$3.00} technicality created entirely by SoFi 's undisclosed eligibility criteria. I contacted SoFi directly and requested that they honor the {$50.00} bonus as a courtesy given the circumstances. They refused. This is exactly the type of deceptive or misleading promotional practice the CFPB exists to address. A bank should not be permitted to advertise a bonus, apply opaque deposit classification criteria that are not clearly disclosed to consumers, and then deny a {$50.00} bonus based on a {$3.00} gap caused by their own vague terms. I am requesting that SoFi pay me the {$50.00} promotional bonus I earned in good faith. I am also requesting that the CFPB review SoFi 's direct deposit promotion practices to determine whether other consumers have been similarly affected by undisclosed deposit classification criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-03-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MA

Complaint narrative:
This complaint concerns Cash Apps failure to provide a complete and accurate response to multiple CFPB complaints. Cash App has repeatedly closed complaints as duplicate without addressing the substance of the issue. Their prior responses did not address the actual disputed transactions involving the merchant XXXX and instead included unrelated information ( such as XXXX transactions ). Despite multiple complaints, Cash App has never provided : Transaction-level explanations for denied transactions Any merchant responses or supporting evidence Documentation of investigative steps Cash App has also failed to address its obligation to issue provisional credit after the investigation exceeded 10 business days, while previously stating investigations required up to 60 days. Additionally, I followed up directly with Cash Apps complaint specialist and did not receive a response. Cash App is now refusing to address the complaint by labeling it as a duplicate, without correcting its prior inaccurate and incomplete responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Issue Summary JPMCB is furnishing a negative trade line for account ending XXXX even though ( 1 ) they contacted me after a written ceaseanddesist, and ( 2 ) I won a courtordered claim of exemption against JPMCB. Their continued reporting and communication violate federal law and disregard a court order. CeaseandDesist Violation I issued JPMCB a written ceaseanddesist notice. Despite this, JPMCB continued to contact me. This violates : FDCPA 805 ( c ) prohibiting communication after written ceaseanddesist FCRA 623 ( a ) ( 1 ) ( A ) furnishing information they know or should know is inaccurate or misleading A creditor contacting a consumer after a ceaseanddesist is a serious compliance failure. CourtOrdered Claim of Exemption The court granted my claim of exemption against JPMCB. This means JPMCB had no legal right to continue collection activity or to furnish the account as delinquent or collectible. By continuing to report the account ending XXXX negatively after the exemption order, JPMCB is furnishing : Inaccurate information Misleading information Information that is legally unenforceable This violates FCRA 623 ( a ) and Regulation V. Failure to Validate or Investigate I requested validation and correction. JPMCB did not provide : Any contract Any statements Any payment history Any documentation supporting the accuracy of the trade line This violates : FCRA 623 ( a ) ( 8 ) failure to conduct a reasonable investigation 12 CFR 1022.43 failure to review all relevant information Consumer Harm JPMCBs unlawful communication, disregard of a court order, and continued furnishing of unverifiable information have caused ongoing credit harm, increased utilization, and reduced access to credit. Requested Resolution I am requesting immediate deletion of the JPMCB trade line ending 6660 from all credit reporting agencies due to : ( 1 ) postceaseanddesist communication, ( 2 ) violation of a courtordered claim of exemption, and ( 3 ) furnishing inaccurate, incomplete, and nonverifiable information in violation of FCRA 623 and Regulation V. Additional Notes JPMCBs actions show a pattern of noncompliance. The simplest corrective action is deletion of the trade line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I recieved an unusual text message from Cashapp that was very vague and not easily understandable. To be honest I thought it was a scam when I seen it because I havent used Cashapp in over a year. I thought the text was trying to verify my account because someone may have been trying to access it. So I recieved the code and entered it like you do with any other company trying to verify. XXXX only assuming this was the initial part of the scam and then they waited. But then recently at XXXX in the morning I believe XX/XX/XXXX someone accessed my account XXXX times and took a total of XXXX. Thankfully it was all I had in that account at the time or would have been much worst. I quickly stopped the bank card info with XXXX XXXX and also stopped payments in Cashapp. I XXXX informed them of this and they said they would look into it. I was denied my appeal XXXX times so now I have no other recourse but to go higher in hopes of getting this money back. I have no idea who this person is nor did I approve the request. It was a scam and fraud. The validation info from them is horrible and I dont believe I should be liable for this.

Company response to consumer: Closed with explanation