vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I used an Upgrade Flex Pay installment loan to purchase a travel package through XXXX. The total amount financed was approximately {$1900.00}. 

The trip was scheduled to XXXX and was canceled due to a hurricane. As a result of the hurricane-related travel disruption, the hotel portion of the trip was never provided and no lodging services were rendered. 

The airline portion of the trip was refunded, confirming that the cancellation was not voluntary. However, XXXX refused to refund the hotel portion to the original form of payment and instead issued a travel credit. A travel credit is not a refund and does not represent delivery of the contracted services. 

I repeatedly requested confirmation of whether the hotel services were rendered and documentation of any force majeure or hurricane-related waiver from the hotel or ground supplier. The company did not provide this information and instead sent conflicting responses referring to the travel credit as a refund. 

I requested that XXXX investigate and dispute the remaining loan balance for services not rendered. XXXX acknowledged that only part of the loan was refunded but declined to dispute the remaining balance solely because a travel credit was issued. 

I am now being required to repay an installment loan for hotel services that were never provided due to a force majeure event. I believe this constitutes an unfair billing practice and a failure to reasonably investigate a dispute involving services not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX, I became aware of fraudulent activity on my PayPal debit card. I received a notification that a payment bounced. When I signed into PayPal, I saw two pending XXXX payments that I did not authorize. There was also an attempt for XXXX to make a third payment, but this bounced due to insufficient funds. The pending amounts were for {$250.00} and {$250.00}. The third, which bounced, was for {$240.00}. All were made on XX/XX/XXXX. 
I immediately locked my PayPal debit card and changed my password. I then called PayPal, but they were not open yet. So, I called XXXX. I told them what happened, and they asked me to verify the account information. I explained that I did not have an account, and they insisted that they couldn't look into any transactions without first verifying the account. I gave them my name, address, and phone number. It did not match any of their accounts. I asked them to look up the transaction by payment, flag the payment, or forward me to whoever handles fraud, and they said they could not do any of those things without an account. 
Once PayPal opened at XXXX XXXX XXXX, I called them. The woman I spoke to opened a dispute for the 2 fraudulent charges. They were still pending at the time. She said to wait a week, and the charges should 'drop off '. 
I called again on XX/XX/XXXX, when I saw that the transactions cleared and were no longer pending. I spoke to 3 different people at PayPal. Nobody could give me any details. The case was still being investigated.

A provisional credit was given on XX/XX/XXXX. The case was still being investigated. 
On XX/XX/XXXX, the case was ruled in favor of the seller. I received a notice that the provisional credit would be withdrawn from my account. At that time, I called PayPal again to file an appeal. I also filed a complaint with the Internet Crime Complaint Center. 
On XX/XX/XXXX, PayPal denied my appeal, and the provisional credit was withdrawn from my account. I immediately called PayPal again, and they could give me no reason for the claim or appeal being denied. They only said, 'This decision was made because this transaction was not unauthorized. ' There was no explanation of how they came to this conclusion or what their investigation revealed. I told them that I was going to continue to fight the fraudulent charges. They said they would note that in my file.

I then filed a police report with the county.

PayPal is in violation of Regulation E ( 12 CFR 1005.6 ). I reported the fraud immediately, and they are legally required to limit my liability to {$50.00}. Instead, they withdrew the total amount of {$500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is a rebuttal to recently closed claim XXXX. 

I requested that XXXX provide the actual documentation they stated they relied on when denying my fraud dispute. In their CFPB response, XXXX claimed that the merchant had provided an IP addresses associated with the transactions. 

Because of that claim, I specifically requested that XXXX provide : The actual IP address logs The date/time stamps for the alleged IP address Any device or browser XXXX the merchant provided Any merchant fraud-verification documentation Any internal Chase investigation notes or evidence used to conclude the transaction was authorized Chase has not provided any of this information. At this point, I do not know whether XXXX actually obtained these records or whether they relied on any concrete evidence when denying my dispute. 

I am simply asking XXXX to provide the documentation they stated exists so I can understand the basis for their decision. Their failure to provide the underlying evidence prevents me from verifying the accuracy and completeness of their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
Account last four social # XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you have sent proper notification, please provide Certified Mail displaying my signature. If not please delete account as soon as possible from my report of I will take legal action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
VANCEHUFFMAN is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCEHUFFMAN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: CT

Complaint narrative:
XXXX XXXX, unknown to us, withdrew {$28000.00} from our account at CIT Bank on XXXX XXXX, to XXXX XXXX XXXX XXXX, ACCT # XXXX. Her address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
CIT allowed this to go through. We are wooking with XXXX XXXX, from the CIT fraud Department, who has told us that it is not the banks policy to return the money to us. 
We have not heard back from XXXX XXXX XXXX XXXX. 
We have also filed a complaint with our local police, and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I am requesting assistance with a credit card dispute involving a merchant that failed to honor a promised refund. 
On XX/XX/XXXX I paid Amunet Jewelry for a ring, received it on XX/XX/XXXX, and returned it on XX/XX/XXXX. I returned the merchandise in XX/XX/XXXX with the anticipation of receiving another stone for approval shortly. I did not hear back from XXXX with a new stone for consideration until XX/XX/XXXX. In XX/XX/XXXX the merchant advised me by phone that I could request a refund if I did not proceed. When I requested the refund in XXXX, it was denied and the merchant stopped responding. 
Chase denied my dispute solely due to time elapsed, not on the merits. I am requesting Chase review whether XXXX rules allow an exception for credit not processed following a later refund promise. 

I have attached proof of return and correspondence related to that, as well as our complete list of email exchanges from XX/XX/XXXX to the present.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Between approximately XX/XX/2024 and XXXX, I made repeated charges totaling approximately {$10000.00} to XXXX providing a subscription-based digital trading platform to use on my phone. During this period, the platform experienced increasing usability and functionality issues, that materially affected the service. I continued using the product in good faith while attempting to resolve the issues first through XXXX, then through Chase to recover money based on misrepresentation of product and inability to materially use the service. Eventually, Chase said they no longer could help so I went to the merchant to resolve the issue, and submitted complaints to the XXXX XXXX XXXX Attorney General, XXXX Attorney General, and FTC, as the merchant had not yet acknowledged systemic problems and I reasonably expected remediation. Eventually, XXXX acknowledged that issues with their platform did occur during this timeframe, which explains why disputed charges were concentrated within a defined period. Based on these issues, I submitted disputes to Chase in good faith beginning around XXXX. Chase initially processed the disputes, but later informed me that no further dispute assistance would be provided, stating that the volume of disputes had caused too much damage. I understand that this determination was based on aggregate impact rather than the merits of individual claims. My request is not to challenge Chases right to manage risk, but to seek confirmation that the termination of dispute protections was applied consistently, clearly disclosed in advance, and did not unfairly affect my account standing or credit profile beyond the disputed amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: COLLECTION ASSOCIATES, LTD.
State: MO

Complaint narrative:
i recently viewed my XXXX report and noticed a fraudulent charge i Believe my information was used in the data breach i need all accounts listed removed immediately within XXXX days. This fraudulent account ( XXXX XXXX XXXX ) With the amount of {$1000.00} opened on XXXX XXXX PLEASE REMOVE ALL ACCOUNTS LISTED. This account is stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I submitted a standard bank transfer from XXXX to my XXXX XXXX checking account on XX/XX/2026. As of XXXX XXXX the transfer has not cleared. I received a XXXX XXXX. XXXX On the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
XX/XX/year> - attempt to be served by local sheriff 's office for suit from XXXX XXXX XXXX Contacted company same day requesting purchase agreement and Original Debt amount and was denied both

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute the accuracy and legality of information currently appearing on my consumer credit report. 

Consumer Name : XXXX XXXX XXXX of Birth : XX/XX/year> Address : XXXX XXXX XXXX XXXX Account Number : XXXX Furnisher : PORTFOLIO RECOV ASSOC/XXXX XXXX XXXX XXXX 

This account is being reported without my written authorization or consent. I have never provided written permission for this entity to obtain, use, or furnish my personal consumer information. 

Pursuant to 15 U.S.C. 1681, consumer reporting agencies are required to maintain maximum possible accuracy and ensure that reported information is lawfully obtained and reported. In the absence of written consent or other lawful authority, the continued reporting of this account is disputed. 

I am requesting that XXXX : Conduct a reinvestigation of this account as required by the Fair Credit Reporting Act Require the furnisher to provide documented proof of lawful authority or written consent Delete the account if such proof can not be produced Please provide written confirmation of the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Following is a copy of the letter I sent to Amex on XXXX " While trying to activate my new card, I was denied access to my account on the login screen. Despite correctly entering the 6-digitcodes you sent me and changing my passcode multiple times, I was still denied access. I made numerous phone calls during which, ( no matter what I said, no matter what I entered on the keypad, and no matter how long I waited ), I was never able to speak with a HUMAN BEING to explain the problem. If the only way to contact you is by postal mail, you leave me no choice but to do the following : 1 ) Please send me a check for {$130.00} ( Reward XXXX  ). 2 ) Please close my account. Thank you. '' Since sending that letter I have sent Amex numerous emails with no reply. I made more phone attempts and never was able to speak with anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX This account is reported inaccurately, please investigate to remove it and I didn't authorize the creditor to put this account on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I paid my MOHELA student loan in full on XX/XX/year>. The funds were debited from my bank account. MOHELA filed a default claim and transferred my loan to the XXXX XXXX XXXX who is now attmepting to collect the full amount that has already been paid in full to MOHELA. My loan status remains in DEFAULT and is preventing my daughter from obtaining her XXXX XXXX funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I.C. SYSTEM, INC filed a collections account on my credit report. I have no knowledge of this account and did not enter into any credit agreement with this company. 
-Collection Amount : {$3.00}, XXXX -Original Creditor XXXX XXXX XXXX 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 explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX OLED XXXX for {$560.00} through XXXX and XXXX using PayPal. The item shipped in multiple packages. Before delivery, the FedEx shipment weight was far too low for a XXXX TV, raising concern that the shipment was incomplete or incorrect. At that time, the only option available to flag the issue was wrong item, which was not buyers remorse but a concern about shipment accuracy prior to receipt. 

The first package delivered contained only the TV stand. When the TV itself arrived later, it was damaged on delivery, with a cracked screen and a bent frame. I documented the damage with photographs and contacted XXXX. XXXX closed its case and explicitly directed me to file a dispute with XXXXayPal as the only remaining option.

I opened a PayPal Buyer Protection dispute for Significantly Not as Described. PayPal required that the damaged TV be returned by a fixed deadline of XX/XX/year>. I informed PayPal in writing that I was physically out of the country until XX/XX/year>, making it impossible for me to package or ship the TV before the deadline. PayPal confirmed multiple times that the return deadline could not be extended under any circumstances. 

I also requested confirmation regarding return shipping costs. PayPal confirmed in writing that Buyer Protection does not reimburse return shipping, even when an item arrives damaged, and that the seller is not required to provide a return shipping label. I documented that return shipping quotes for a XXXX TV exceeded {$500.00}, nearly the full value of the item. PayPal stated that no reimbursement was available and offered a one-time {$50.00} voucher as the maximum assistance.

Despite acknowledging that I was physically unable to meet the return deadline and that return shipping exceeded the value of the item, PayPal required return as a condition of any refund. When the return was not completed, PayPal closed the case in the sellers favor for invalid proof of return.

PayPals decision was based solely on failure to return the item, not on any dispute regarding the documented damage or the validity of the claim. As a result, Buyer Protection was effectively denied not on the merits, but because PayPal imposed procedural requirements that were physically and financially impossible to satisfy. These limitations were not clearly disclosed prior to opening the dispute and rendered the advertised Buyer Protection unusable in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NC

Complaint narrative:
490 % interest is nonsense. I am paying XXXX a month is all going to interest. this is robbery and i want something done about it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I C SYSTEMis falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEMis a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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