vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UPGRADE, INC.
State: GA

Complaint narrative:
On XX/XX/year>, the account was suspended. It was later closed on XX/XX/year>. At the time of closure, the account still had a balance of {$1800.00}. I called on XX/XX/year> to ask about the refund status and was told that the funds had been returned to the original sender ( s ). I asked which sender ( s ) the funds were returned to, but Upgrade could not provide any details and advised me to check with the original senders. I repeatedly asked which sender ( s ) the funds were refunded to so I could contact them to confirm whether they had received the funds, but again, Upgrade did not have that information. Now I have no idea where is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
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 2026-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
In XXXX of XXXX i opened an ulta master card account without fully understanding that my purchase that day would be charged to the credit card ( they had me swipe my debit card so it was extremely misleading to me ). I later realized in early XXXX of XXXX that it charged to the credit card and I had accrued 4 months of interest on an initial {$9.00} charge. Once i was made aware of the balance I made multiple calls to try to at least waive the late fees since I was unaware of the charge for so long, i was told multiple times it wasnt possible and i was forced to pay the balance, on XXXX XXXX i paid the pay off balance for the account over the phone that morning, I also closed the account. it is now XX/XX/XXXX and i am now receiving a text saying I owe an additional {$85.00}. Confused, I call to figure out how I owe on an account I closed and paid off, and i am told its due to late fees I explain that I paid what was told to me as the pay off amount and under the impression I was done with them and that if there was a residual charge left over Id receive a message/ email and that itd only be a dollar or XXXX. Since that payment in XXXX I have received no emails, no calls, no messages until today receiving the XXXX singular message saying payment is due tomorrow with a total balance of {$85.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am filing a complaint regarding multiple refunds issued by PayPal that are marked as completed for several months. This issue only occurs with refunds. I understand refunds are returned to the original payment method ; however, my bank/card issuer has confirmed that no funds were received and can not locate any transactions using the reference numbers PayPal provided XXXX The numbers provided are not recognized by my financial institution. As a result, I have not received any of these refunded funds. I am requesting a full investigation and either valid proof of transfer or immediate reissuance of all missing refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Approximately six months later, the payment was reversed without prior notice or clear explanation. This resulted in a significant increase in the account balance, ultimately exceeding {$13000.00}, and created a monthly payment obligation that was not manageable. This caused ongoing financial hardship, including missed payments and accumulation of interest and charges. Multiple attempts were made to resolve the issue directly with the company, including phone calls and written communications. Documentation was provided upon request. However, the responses received did not clearly explain the reason for the delayed reversal. Key issues remain unresolved, including : Why the payment was reversed after several months Why no returned-payment or insufficient funds fees were applied Why no timely notice was provided Why the payment was shown as valid on statements for multiple billing cycles Why no corresponding returned transaction was reflected by the originating bank Additionally, a separate payment made from the same funding source to another account with the same company was accepted and processed without issue. A clear explanation and correction of the account are being requested.

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 2026-04-21 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within four business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent accounts and inquiries that are not associated with me All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through certified mail. In addition, I request the immediate removal of the following fraudulent accounts and inquiries from my credit report. Accounts :. XXXX XXXX XXXX Number Account : XXXX GLBA Section 502, no nonpublic information should be disclosed without consumer permission

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 2026-04-21 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: NY

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 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing this complaint because PayPal XXXX XXXX has sold an invalid, non-existent debt to a third-party debt buyer ( XXXX XXXX XXXX XXXX XXXX who is now using a collection agency ( XXXX XXXX XXXX to pursue me for {$1000.00}. The underlying transactions were part of a " Pay in 4 '' plan for items that were stolen upon delivery. I followed all legal protocols : I filed a police report and initiated formal disputes with both PayPal and my bank. On XX/XX/year>, PayPal formally closed Case XXXX XXXX XXXX XXXX, XXXX, and XXXX in my favor. On XX/XX/year>, my financial institution confirmed that the provisional credits for these transactions were made final and would not be debited back. Despite these cases being closed in my favor, XXXX internal accounting failed to reconcile the balance and " charged off '' the amount as a bad debt, subsequently selling it to XXXX XXXX XXXX. I am now being harassed via text message and mail by XXXX XXXX ( Reference XXXX XXXX ) for a debt that both the merchant and the bank already adjudicated as {$0.00}. Attached : Paypal dispute information, Bank dispute notification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: GA

Complaint narrative:
I was paying my payments of {$250.00} on time until I got laid off from my job in XXXX. I have called multiple times, most recently today, XXXX XXXX to request some type of payment plan or hardship assistance until I can get another job. According them, there are no hardship assistance for losing your job and because I was previously on a payment program I have to make 12 consecutive payments before I could be eligible for another program. I was asked if I was looking for a job by one of the employees and if I could have one in next month. I have been diligently looking for a job and I have other responsibilities besides Sallie Mae, I am a recent mother and I have other bills to pay. Its very disheartening that they dont have some type of program or plan for when you are laid off from you job due to no fault of your own. I let them know I will continue to pay {$150.00}, even though that is pushing it. I was told by the supervisor today that there was nothing theycould offer and maybe next month there would some type of program I would qualify for. They also threatened to send to collections and/or file a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Statement for CFPB Complaint I am filing a complaint regarding funds that were sent to my old, closed Chase account ending in XXXX. On XX/XX/year>, two transfers were sent from my XXXX account to this closed Chase account. The amounts and trace IDs are as follows : {$2100.00} Trace ID XXXX {$320.00} Trace ID XXXX According to XXXX, both transfers were successfully delivered to Chase on XX/XX/year>. Because the Chase account was closed, the funds should have been automatically returned to the originating bank within the standard 35 business day timeframe stated in the transfer documentation. As of today, Chase has not returned the funds and has not provided a valid explanation for the delay. I have contacted Chase multiple times, and they have refused to release or return the money, even though the account is closed and the transfers can not be posted to it. The funds appear to be held in Chases internal suspense account, and I have been unable to get assistance from customer service or the appropriate research department. I am requesting the CFPBs assistance to require Chase to locate these two deposits and return the funds to my XXXX account promptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: NY

Complaint narrative:
I was automatically signed up for texting by true accord without my consent and I received 2 automated text messages today. I did not give them my consent they just signed me up. I let XXXX know that I would be retaining an attorney via chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because there are collection accounts on my credit report that do not belong to me. I check my credit regularly, and these accounts showed up without my knowledge or permission. I never authorized this, and I am extremely frustrated that this inaccurate information is being reported under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: OK

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
My email has history of 7 data breaches involving my personal information. 1. Prosper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Thursday XX/XX/year> an unauthorized charged of {$560.00} was charged to my husband and Is capital one XXXX card. First of all we normally get texts messages about purchases this day we received no text about the purchase so whoever scammed us somehow got around the texts we normally get. Anyways we found out about the charge Friday the 3rd and immediately my husband marked the charge as fraud in the Capital One app on his phone. A week or so goes by and Capital one informs my husband by email that they denied the fraud case there was not enough evidence it was fraud. So we called them and even over the phone with us they are denying that its fraud because we have the card in possession and it was never stolen. They arent considering that someone skimmed the card or something else happened. We want the charge to be further investigated and fully reversed as we did not make this charge. I offered to send capital one our flight itinerary and explained to the manager that its physically impossible we were flying home and in XXXX still to make the purchase via XXXX. I asked how the purchase was made and he told me by XXXX. Even though I have proof we were flying home and at the airport all day they still would not re open the case and investigate it further for us. Capital one failed to protect us against fraudulent activity but they advertise that we have fraud protection when using their card! We just want the charge reversed and not to be held responsible for this charge we did not charge. The manager I spoke to was not friendly he told us to call the merchant ourselves and get the money back. How do we call a scammer to get our money back? We looked up the spa that charged the card and there is no spa in that name its fake we also explained that to the manager we spoke to and he would not reopen the case and help us he was beyond rude!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Who may this concern, I am writing to formally contest the high interest charges and the resulting impact on my credit score regarding my account ending in [ Last 4 Digits of Account ]. Recently, I noticed an unexpectedly high balance on my account following the closure of my credit cards. While I have since paid the full amount, I was concerned to find that the specific due dates and high interest details were not clearly communicated via phone or notifications, and only appeared once the statement was issued. I previously attempted to resolve this by calling your customer service department. However, the representative informed me that they could not provide support and stated it was my responsibility to monitor statements. My original credit limit was {$3000.00}, and the accumulation of these interest charges has now negatively affected my credit score. I am requesting a review of these charges and ask that you consider a waiver of the interest or a correction to the reporting sent to the credit bureaus, given my prompt payment of the full balance once the amount became clear. I look forward to your response and a resolution to this matter.

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 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: OH

Complaint narrative:
On XX/XX/XXXX, I contacted Chimes customer service department via telephone as I required assistance with two separate issues. The first issue involved me not being able to add my Chime debit or credit card to my XXXX XXXX XXXX. I had already troubleshooted with XXXX and they confirmed there was no issue on their end and advised me to contact the card supplier, which would be Chime. The second issue, was regarding why I had not received my rewards from referring a new member to Chime and why that new member had not received their reward either. At no point during the referral process was the {$200.00} direct deposit requirement clearly communicated. When I requested documentation showing what terms were presented to the referred user, the company failed to provide it. My primary issue is with Chimes referral program and lack of clear disclosure of requirements. I referred my niece through Chimes referral program. She signed up using my referral and set up direct deposit. However, we were later denied the referral bonuses because she did not receive at least {$200.00} in direct deposits within the first 45 days. This requirement was not clearly communicated to her during the signup process. When I contacted Chime, I was told by a representative by the name of XXXX, that it was my responsibility to explain the referral requirements to the person I referred. This is not reasonable. Promotional terms should be clearly disclosed by Chime to the person signing up so they have a fair opportunity to qualify. My niece did set up direct deposit and continued using the account in good faith, believing she met the requirements. Additionally, I contacted Chime for help with a separate issue involving my inability to add my Chime debit card to XXXX XXXX. This issue was not addressed. I requested to file a formal complaint and asked for escalation. When I was transferred to a supervisor named XXXX, he spoke over me, would not allow me to respond, and abruptly ended the call without resolving my concerns or documenting my complaint. I have retained documentation and a recording of the call. The requirement of a {$200.00} direct deposit within 45 days was not clearly disclosed at the time of enrollment, and I requested documentation of what was presented to the referred user, which the company failed to provide. I am requesting : 1. A review of the referral bonus denial for a possible exception 2. Assistance resolving my XXXX XXXX issue 3. A review of the supervisors conduct 4. Written confirmation of the referral terms as presented during signup A recording of the call in which the supervisor disconnected is attached, demonstrating that the supervisor terminated the call without resolving my issue or filing my requested complaint.

Company response to consumer: Closed with explanation