vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — Store credit 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: NJ

Complaint narrative:
I am writing to formally dispute the late payments Upgrade reported to the credit bureaus. The reporting is inaccurate. The documentation Ive provided, including bank statements, confirms that Upgrade successfully pulled the monthly payments from my account and that sufficient funds were available at all times. 

The XXXX XXXX card linked to my Upgrade account for auto-debit was compromised due to fraudulent activity originating in XXXX XXXX XXXX California. I live in New Jersey. After identifying the fraud, I contacted XXXX, which conducted an investigation. On XX/XX/XXXX, XXXX credited back all unauthorized charges, including those related to Uplift/Upgrade. These reimbursements covered XXXX, XXXX, and XXXX XXXX 

On XX/XX/XXXX, I received three reimbursements from Uplift/Upgrade of {$230.00} each, totaling {$700.00}. 

On XX/XX/XXXX, Upgrade was made aware of the disputes. Shortly thereafter, I received an email from Upgrade requesting that I update the card associated with the account as it was no longer active due to the fraudulent activity. I did so immediately and paid the full balance due, approximately {$930.00}. This request appears to have been triggered by the XX/XX/XXXX reimbursements tied to XXXX fraud investigation. 

During this process, a customer service representative stated that the account was 95 days late and also noted there were insufficient funds as the reason for the late payments. That is not accurate. Upgrades position appears to be based on the fact that three months of payments were refunded as part of the fraud investigation. Those refunds were the direct result of unauthorized charges and were resolved within the same billing cycle and month. 

As soon as I learned that Upgrade was included in XXXX investigation, I immediately made full payment and associated a new debit card for ongoing auto-debit of {$230.00} per month. 

I also provided Upgrade with bank statements showing that all payments were successfully debited and that sufficient funds were available. The months Upgrade is reporting as late can be easily cross-referenced against these statements, which clearly demonstrate that the late payments being reported are factually incorrect. 

I requested that any negative credit reporting associated with my Upgrade account be corrected to reflect that all payments were made on time. The documentation fully supports this request. 

In closing, this dispute stems entirely from confirmed fraudulent activity investigated by XXXX. I can clearly demonstrate that all payments were made on time and that the disputed balance was paid promptly once Upgrade was identified as part of the investigation.

I am requesting assistance from the CFPB to require Upgrade to reverse the derogatory reporting to the credit bureaus and correct my credit file accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Company name : Portfolio Recovery Associates Account number : XXXX Amount : {$360.00} What happened I am filing a complaint against Portfolio Recovery Associates for reporting a collection account on my credit reports for a debt that does not belong to me. I have never had an account with the alleged original creditor, nor have I agreed to any debt in this amount. Despite the debt being inaccurate, Portfolio Recovery Associates has continued to report this account as a collection every month, causing ongoing harm to my credit profile. 

I formally disputed this debt and requested validation. To date, Portfolio Recovery Associates has failed to provide competent evidence that I am legally responsible for this alleged debt, including any signed contract, application, or proof of ownership. 

By continuing to report this account without proper validation, Portfolio Recovery Associates is : Reporting inaccurate and unverified information in violation of the Fair Credit Reporting Act ( FCRA ) Attempting to collect and report a debt that is not owed, in violation of the Fair Debt Collection Practices Act ( FDCPA ) Failing to conduct a reasonable investigation before furnishing negative information to credit bureaus Causing ongoing financial and reputational harm through repeated collection reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
On XX/XX/XXXX I noticed a {$500.00} charge from a gaming site on my BofA HSA account. I called BofA to report the fraudulent charge. They told me the information I had given them for security purposes did not match what they have on record and they couldnt issue me a new card. They told me to go online to do so. I asked them to please not authorize the charge and the representative told me they would not. I looked at my account this morning XXXX XXXX and they have approved the transaction. I was able to go online and report my card lost or stolen on XX/XX/XXXX. I dont know how XXXX supposed to get them to help me if my security information has been changed and I feel it is wrong of them to allow the charge to go through when they were contacted and told of it being fraudulent. Please help! I dont have {$500.00} laying around to help replace this when I need it for medical. I can clearly see that the charge is from a gaming site and I feel that since this is an XXXX account they should have automatically flagged the charge as ineligible. I feel they are not servicing the account faithfully.

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 2026-01-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : CHARGED OFF ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-01-09 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2026-01-09 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
Company name : Cash App ( Block, Inc. ) Product/service : Money transfer / peer-to-peer payment What happened ( detailed explanation ) : On XX/XX/year>, I sent a payment of {$75.00} via Cash App to XXXX XXXX  for hair services. The payment was made solely in exchange for services that were promised but never rendered. 
The recipient failed to provide the agreed-upon service and did not issue a refund. I attempted to resolve the matter directly with the recipient without success. I then filed a dispute with Cash App within a reasonable timeframe. 
Cash App denied my initial dispute and later denied my appeal on XX/XX/XXXX, despite the fact that this transaction involved non-delivery of services, not a completed or authorized service. Cash App did not provide a substantive explanation or evidence showing that services were rendered. 
By refusing to reverse this transaction, Cash App allowed the recipient to retain funds for services that were never provided, resulting in unjust enrichment. Cash Apps handling of this dispute constitutes an unfair consumer practice and a failure to conduct a reasonable investigation into a non-performance claim. 
I am requesting CFPB assistance to require Cash App to : Reverse the {$75.00} transaction Provide a written explanation of the basis for denying a dispute involving services not rendered What resolution are you seeking? 
A full refund of {$75.00} and confirmation that the transaction has been reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: PA

Complaint narrative:
This is XXXX XXXX. My email was used for the previous complaints filed for my wife XXXX, and the system will not allow me to change the name on the account, or open another account with the same email. 

I owed Discover over $ XXXX. I refinanced my house and withdrew equity to pay off my Discover balance. Discover was sent a check for over $ XXXX. There was a surplus of funds of {$1300.00}. This money was never returned to me. I've had numerous conversations with Discover and they filed a dispute. I called again today and had to jump through the hoops again with them with no results. This is a legitimate complaint that should have been resolved weeks ago and I would appreciate your assistance in getting it resolved. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WLCC
State: MI

Complaint narrative:
On todays XX/XX/year> at approximately XXXX XXXX, I called XXXX XXXX to discuss settling a delinquent debt that they are attempting to collect. During that call, I specifically requested that the representative place me on a do not call list and stop contacting me by phone. 

The representative refused and stated that they would continue calling me to attempt to collect the debt. I made a clear request to stop phone communication, and that request was denied. 

Under federal law, consumers have the right to request that a debt collector cease communication, and once that request is made, the collector must stop contacting the consumer except for very limited purposes. The representatives refusal to honor my request and statement that they would continue calling is a violation of my consumer rights. 

I am requesting that the CFPB investigate this companys collection practices and require them to stop contacting me by phone and to comply with federal debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts subject to dispute must be removed or corrected within legal timeframes.

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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
CONSUMER ADJUSTMENT CO is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJUSTMENT CO 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 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE INITIATED NUMERIOUS FRAUD DISPUTES WITH EXPERIAN IN REGARDS TO A FRAUDULENT ACCOUNT WITH XXXX XXXX  THAT WAS OPENED UNDER MY NAME. THE FRAUDULENT ACCOUNT WAS OPENED BY XXXX XXXX WHICH WAS A FORMER ROOMMATE. THIS INDIVIDUAL STOLE MY PERSONAL DOCUMENTS FROM MY HOME AND OPENED AND ESTABLISHED FRAUDULENT ACCOUNTS IN MY NAME. I HAVE FILED AN ID THEFT FTC REPORT AND FORWARDED TO EXPERIAN TO SUPPORT MY FRAUD DISPUTE. EVEN AFTER SUBMITTING SUPPORTING DOCUMENTATION EXPERIAN REFUSES TO REMOVE THIS FRAUDULENT ACCOUNT WITH XXXX XXXX  FROM MY CREDIT FILE THEY ADVISED IT WAS VERIFIED AS ACCURATE. I AM NEED SOME ASSISTANCE AS EXPERIAN IS NOT FULLY RESOLVING THIS ISSUE WITH THIS FRAUDULENT ACCOUNT WITH XXXX XXXX. I AM ATTACHING SUPPORTING DOCUMENTATION TO THIS CASE.

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 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Got calls from two numbers claiming to be from CareCredit. They were attempting to reset my account and got all of my information to update my account and steal my cards. They already tried to charge three times and are now harassing me to try to call me back to continue to steal.

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 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
Consumer Financial Protection Bureau SubjecXXXX : Credit Card APR Increased Without Proper Legal Disclosure First National Bank of Pennsylvania Consumer : XXXX XXXX XXXX Account Type : Credit Card Institution : First National Bank of Pennsylvania ( FNB ) I am filing this complaint regarding unlawful and improperly documented APR increases on my First National Bank of Pennsylvania credit card account. 

At the time my account was opened in XX/XX/XXXX, the disclosed APR for purchases was 15.74 %. Since that time, FNB has applied higher APRs to my account. I repeatedly requested documentation supporting these increases, including legally required notices and APR calculation records.

FNB admitted in writing that APR changes were communicated only through monthly billing statements. Under the Truth in Lending Act, the Credit CARD Act of XXXX, and Regulation Z ( 12 C.F.R. 1026 ), billing statements do not constitute proper legal notice of APR changes.

FNB further claims that the 45-day advance notice requirement does not apply because the APR is variable and tied to the Prime Rate. However, FNB has failed to provide any documentation proving : The original margin disclosed at account opening That the margin has remained unchanged That all APR increases were calculated strictly as Prime Rate plus the original margin Despite multiple written disputes, FNB refused to provide an APR calculation history, margin documentation, or proof of lawful index-based adjustments. FNB also stated that its XX/XX/XXXX letter would be its final correspondence on this matter. 

I request that the CFPB require FNB to : 1. Produce complete APR calculation and margin documentation 2. Correct or reverse any improperly applied interest charges 3. Ensure full compliance with federal disclosure requirements Attached are copies of FNB correspondence dated XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, along with my dispute letters. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation