vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: NE

Complaint narrative:
I am filing a complaint against a collection agency reporting a medical debt from an emergency visit on XX/XX/year> in Florida. I had active XXXX coverage on the date of service, but the provider incorrectly billed me as self-pay instead of billing XXXX. XXXX paid the hospital portion in full, and I have documentation showing a {$0.00} patient balance. The collection agency has not provided proof that XXXX was billed and denied or that I am financially responsible for this debt. Despite this, they continue reporting the account. Additionally, this account has already been deleted by XX/XX/XXXX after reinvestigation due to inability to verify. This is inaccurate reporting and improper billing. I am requesting that this account be deleted from all credit bureaus immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
All dates rules for account bonus and proof of deposits are on the attached documents. Fulton Bank Offers a {$500.00} bonus for business checking accounts and then does not deposit it and they improperly denied it. There is no way to get them to reverse it they just take a message then don't call you back.

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 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I'm on XXXX XXXX XXXX PROGRAM thru XXXX XXXX. I was a XXXX. My Social Security number was changed and blocked thru the Social Security Administration and Federal Government. The Credit Reporting company has blocked my credit reports and stating Fraud. There is NO FRAUD. My address on the Bankruptcy in XXXX, is only to be used for XXXX XXXX XXXX FOR LEGAL PURPOSES. It is not the address to be used on my credit reports. My address should be ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I am trying to restore my credit and also with my Bank called XXXX, that I have used for 20 years and have a car loan under the same Social Security number. I do not have any other documents like a, Utility Bill or any documents that pertain to where I live. It's to be CONFIDENTIAL AS MY LOCATION. I enclosed enough ID 's attached. NO ONE WILL HELP ME. Even the XXXX Judge knows.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TX

Complaint narrative:
} To Whom It May Concern, I am in receipt of your response regarding the alleged account referenced. Your response is insufficient and does not meet the requirements of proper validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). You state that the account originated with XXXXXXXX XXXX XXXXXXXX and was sold to Plaza Services , LLC. However, you have failed to provide the following : 1. Complete chain of assignment showing your legal ownership of this debt 2. A full accounting of the alleged balance, including all fees, interest, and payments 3. Verification that I have a contractual obligation directly with Plaza Services , LLC 4. Proof that the alleged contract bears my valid signature and was executed lawfully Providing a copy of a generic contract or application does not constitute proper validation. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to report only accurate and fully verified information. Reporting unverified or incomplete information is a violation of federal law. Until proper validation is provided, you must : - Cease all collection activity - Remove this account from all credit reporting agencies Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau and potential legal action for violations of federal law. This is not a refusal to pay, but a notice that your claim is disputed and validation is required. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Im not even sure how this is legit, the last name is XXXX when you sign up for a phone service they require an ID and if this was the case I would NEVER be able to access my account because of the spelling and my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: NJ

Complaint narrative:
I used my account while I was abroad, but Ive already sent them everything they needed. They told me they would unblock it within five days, but its already been ten business days, and still nothing. I get paid into that account, but I can't withdraw my moneyand I have {$300.00} in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Chime Financial Inc
State: CA

Complaint narrative:
I was approached by scammers via a chat session and they sold me a club 'membership '', specifically requesting that I use a Chime account if I had one. When I filed a fraud complaint with Chime they said because the funds ( {$50.00} ) had been sent to another Chime account instead of a merchant account, they would take no action. I provided Chime with three accounts used by these scammers and again, Chime said in this type of case they won't take any actions, despite the charge being fraudulent. I even have provided screen shots of the actual chat sessions where the scammers have asked for additional funds, at which time they would provide the membership I had paid for previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report. I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I have a car loan with Exeter and recently requested change of date for car payment. They sent a XXXX and while filling it out was advised car payment is late and date could not be changed. I have 7 months of on time payments. Now I owe more than original loan and never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint against Wells Fargo for failing to resolve a dispute regarding an ongoing, unauthorized cross-billing scheme by XXXX, and for failing to uphold my consumer protections under the Electronic Fund Transfer Act ( Regulation E ) regarding unauthorized transactions. In XXXX, XXXX made an unauthorized, un-invoiced charge of {$5900.00} against my Wells Fargo checking account via my debit card. XXXX cross-billed my primary business for a completely separate entity ( " XXXX XXXX XXXX '' ) without providing any invoice or proof of debt for either account. My primary merchant account was deactivated in XX/XX/year>, and all inventory was destroyed in XX/XX/year>, meaning there are no legitimate fees possible. Wells Fargo initially provided a provisional credit but reversed it in XXXX due to a missed documentation deadline. Wells Fargo is now refusing to let me submit my newly gathered evidence or reopen the claim, despite the fact that XXXX is currently and actively engaged in predatory 'fishing ' attemptstrying to run unauthorized charges ranging from {$11000.00} down to {$20.00} against my accounts to this day. I previously had to change my debit card numbers with Wells Fargo specifically to stop this. Wells Fargo is allowing a merchant to steal {$5900.00} without a valid invoice and is refusing to investigate the ongoing fraud. I am requesting that Wells Fargo 's Executive Resolutions team review my documentation, reopen this dispute, and reinstate my {$5900.00}

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 monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am disputing inaccurate account servicing and credit reporting by Upgrade LLC, the servicer for a credit card account originated by XXXX XXXXXXXX XXXX On XX/XX/XXXX, Upgrade offered a settlement agreement for a fixed balance of {$2800.00} at XXXX XXXX interest, payable in XXXX monthly payments of {$160.00} beginning XX/XX/XXXX. I have made all required payments on time. Despite this agreement, Upgrade continues to service and report the account under the original credit contract. Payments have been applied to finance charges at approximately XXXX XXXX APR and to balances calculated under the original contract, rather than to the settlement balance. As a result, all balances being reported are materially inaccurate. Upgrade also continues to send monthly communications stating that the account is past due and that higher payment amounts are owed, including references to potential late fees. These communications are inconsistent with the settlement agreement. I disputed these inaccuracies directly with Upgrade LLC and through XXXX XXXX XXXX XXXX Each credit reporting agency notified Upgrade. Upgrade verified the disputed information as accurate in each case. However, the results of these investigations are contradictory : XXXX issued two reinvestigation results ( XX/XX/XXXX and XX/XX/XXXX ), each verifying the account as accurate while reporting materially different balances, payment amounts, and account history. TransUnion reported materially different information, including correct payment amounts ( {$160.00} ) and a maximum delinquency of XXXX days, contradicting what was verified to XXXX These inconsistencies demonstrate that no reasonable investigation was conducted as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). Additional inaccuracies include : Delinquency re-aging, including reporting a XXXXday delinquency after the settlement became active Reporting an artificial {$500.00} credit limit with negative available credit, resulting in approximately XXXX XXXX utilization Incorrect scheduled and actual payment amounts Reporting a false dispute indicator ( consumer disagrees after resolution ) Reporting inflated high credit amounts Reporting balances inconsistent with both the settlement agreement and original contract I also sent formal disputes directly to Upgrade LLC at both its XXXXXXXX XXXX and XXXX XXXX XXXX XXXXa addresses XXXX No substantive response was provided. This matter also raises concerns regarding XXXX XXXXXXXX XXXX oversight responsibilities under XXXX XXXX XXXX XXXX related to third-party servicing and furnishing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
XXXXOn XXXX XXXX XXXX I was contacted by a debt collector called XXXX from XXXX XXXX XXXX three times giving me claim number and a phone number (XXXX regarding an Acima account. They committed the following violations:XXXXClaimed they are not a debt collector and therefore do not have to provide debt validation this is false under the FDCPA.XXXXThreatened criminal charges for defrauding a financial institution over a civil debt.\nStated if I did not pay over $XXXX it would go to court and be held against me for 7 years.\nProvided no physical business address.\nAccept only XXXX XXXX or debit card no legitimate traceable payment method.\nDemanded I make a $XXXX ten percent payment before they would send any written agreement.\nWhen I stated I would speak to an attorney they said 'if you are homeless how can you afford an attorney.XXXXBackground: In XXXX XXXX I contacted Acima directly to return the merchandise and provided a pickup address. They never retrieved it. I made good faith payment arrangements but experienced housing instability. Settlement offers were sent to an outdated email I could not access. The debt was sold in October 2025."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.

Complaint narrative:
I recently wired XXXX usd to a client of PNC bank for purchase of containers and their client never delivered the products and I recently discovered the client was a scam ( company does not really exist ) i asked my bank XXXX XXXX XXXX ) to contact PNC bank to reverse the monies and alert them that the client was a scam and was defrauding pple but PNC refuses to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted disputes regarding five accounts on my credit report to Experian , both online and by mail, pursuant to the Fair Credit Reporting Act. On XX/XX/XXXX, Experian notified me that the disputes were completed. The results provided were vague and non-substantive, stating only that this item was updated, without any explanation of findings, procedures used, or documentation supporting the outcome. On XX/XX/XXXX, I submitted a follow-up dispute and formally requested, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ), a description of the procedures used to determine the accuracy and completeness of the disputed information ( method of verification ). Under this statute, Experian is required to provide this information within 15 days. On XX/XX/XXXX, Experian responded but failed to provide the requested description of procedures. The response again relied on generalized statements indicating that the information was verified as accurate, without identifying the procedures performed, the source of verification, or any supporting documentation. I subsequently filed a complaint through the CFPB on XX/XX/XXXX. Experian did not provide a substantive response addressing these issues until XX/XX/XXXX. Their response again relied on standard language indicating that the information had been verified by the data furnisher, without providing the requested method of verification or demonstrating that a reasonable reinvestigation was conducted. Throughout this process, Experian has been given multiple opportunities across separate disputes to comply with statutory requirements and has failed to do so within the required timeframes. Specifically : Failure to provide method of verification within 15 days as required under 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide meaningful results of reinvestigation under 1681i ( a ) ( 6 ) Failure to conduct a reasonable reinvestigation under 1681i ( a ) ( 1 ), as evidenced by reliance on generalized furnisher verification without supporting documentation Additionally, access to the online dispute portal was removed during this process, limiting my ability to monitor or respond to the dispute. This matter is not based on disagreement with the reported information, but on repeated procedural noncompliance and failure to meet statutory obligations under federal law.

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
In XX/XX/year>, three unauthorized cryptocurrency purchase transactions appeared in my PayPal account totaling approximately {$660.00}. These transactions occurred on or about XX/XX/year> and involved cryptocurrency purchases ( XXXX ) that I did not authorize. At the time of the transactions, my PayPal account showed signs of unauthorized access, including unknown device logins, an unauthorized phone number added to the account, and an unauthorized passkey created. During a phone call with PayPal support on the same day, a representative confirmed and removed the unauthorized phone number and passkey, indicating account compromise. The transactions were funded through my bank account ; however, after I reported the activity as unauthorized, the funding attempts were declined or voided by my bank. As a result, the transactions did not settle from my bank account. Despite this, PayPal determined the transactions were authorized and created a negative balance of approximately {$660.00}. Since that time, I have received multiple emails from PayPal stating that I owe this balance and requesting payment. These communications include collection-style notices indicating the balance is due and referencing that the messages are attempts to collect a debt. Following the incident, I also received a suspicious SMS message from an unknown number referencing my correct name. Additionally, endpoint security software detected and blocked a phishing-related external reference when opening a related email. These events further support that the account activity was part of an unauthorized access or fraud attempt. I reported the unauthorized transactions to PayPal immediately after discovery, followed up by phone, and attempted to request documentation explaining PayPals authorization determination. However, PayPal has not provided sufficient documentation or explanation supporting their decision. Because the transactions were unauthorized, involved confirmed account compromise indicators, and were declined by the originating bank, I dispute PayPals determination that the transactions were authorized. I am requesting removal of the negative balance and cessation of emails requesting payment for transactions that were not authorized. PayPal continues to seek payment for a balance created from unauthorized activity despite the originating bank declining the transactions and documented indicators of account compromise. PayPals determination that these transactions were authorized contradicts documented account compromise indicators and the originating banks decision to decline the transactions.

Company response to consumer: Closed with non-monetary relief