vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX ticket using Upgrade Flex Pay. The total loan amount was {$1500.00}, divided into four installments. I paid the first installment of {$390.00} via my debit card. I subsequently cancelled the ticket due to a double booking. On XX/XX/XXXX, XXXX emailed me confirming that XXXX XXXX had refunded {$1500.00} to them. On XX/XX/XXXX, Upgrade emailed me confirming that {$390.00} would be refunded to my debit card within 7-14 business days. The refund never arrived. On XX/XX/XXXX, I confirmed with my bank that no incoming transfers from Upgrade or its banking partner had been received. I called Upgrade multiple times ( XX/XX/XXXX, XXXX, and additional calls ). I was given conflicting information : - First, I was told a check was sent on XX/XX/XXXX to my old address - Later, in an email dated XX/XX/XXXX, Upgrade clarified that the refund was actually sent as a paper check on XX/XX/XXXX ( not as ACH/direct deposit as initially indicated )- The check was sent by regular mail with NO tracking number- The check was sent to my old address before I moved on XX/XX/XXXX I lived at the old address until XX/XX/XXXX and checked mail daily. The check was never received. During subsequent calls, I was told : XXXX. Stop Payment can not be issued, because the check is " already processed '' XXXX. A replacement check will NOT be issued XXXX. ACH direct deposit can not be set up, because my account is now closed XXXX. I should " keep calling back '' without any substantive action I have spent many hours on the phone with no resolution. Each call results in the same response : " call back later. '' This is unreasonable for the following reasons : XXXX. Standard banking practice allows Stop Payment on undelivered checks XXXX. The check was sent via untraceable regular mail at Upgrade 's choice XXXX. I never received the refund, so the obligation has not been fulfilled XXXX. Refusing to reissue a refund that was never received places the burden of Upgrade 's choice of unsafe delivery method on me WHAT I AM REQUESTING : XXXX. Upgrade should confirm whether the check has been ACTUALLY CASHED or remains OUTSTANDING XXXX. If the check is outstanding, issue Stop Payment and reissue the check to my current address via traceable mail 3. If the check has been cashed by someone other than me, treat this as a fraud case 4. Either way, the {$390.00} owed to me should be delivered promptly I have all email correspondence dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and records of multiple phone calls. I am willing to provide all documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In XX/XX/XXXX, I made a purchase totaling {$400.00} from XXXX XXXX using XXXX XXXX in 4, funded by my Barclays credit card. Instead of issuing a refund, the merchant provided store credit. When I recently attempted to use the store credit, I discovered that the company had permanently closed in XX/XX/XXXX without providing any formal notice to customers. Until that point, I had no reason to believe the credit would be unusable. As a result, I did not receive the goods or services originally paid for. I attempted to contact the merchant, but their support channels were no longer active. I then filed a dispute with Barclays ; however, the claim was denied based on timing. This situation qualifies as services not received, as the merchant failed to provide a usable product or service and is no longer operating. I am requesting that Barclays reconsider this dispute under applicable chargeback protections.

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 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex platinum charged me an annual fee then canceled my card so I cant use the benefits. That is a scam to get consumers to pay almost {$1000.00} annual fee for the platinum card then cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: NJ

Complaint narrative:
I have a {$54000.00} pool loan with Aqua Finance at 11.99 % APR over a 30-year term arranged through a contractor. My monthly payment is {$590.00}. After 5 years and approximately {$35000.00} in payments, my balance has only decreased from {$54000.00} to {$50000.00} a reduction of just {$4000.00}. Over XXXX cents of every dollar paid has gone to interest. The total cost of credit and amortization schedule were not clearly disclosed at origination. The FTC settled with Aqua Finance for {$43.00} XXXX in 2024 for these exact deceptive practices. I believe this loan violates the Truth in Lending Act ( TILA ). I am requesting a full investigation and loan restructuring. I am awaiting them to send me the contract so that I can then upload it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2026 Consumer Financial Protection Bureau Subject : Urgent Complaint Regarding Bank of America Fraud Handling I am filing an urgent complaint regarding Bank of Americas handling of fraudulent XXXX XXXX charges on my business account. On XX/XX/2026, I received fraud alerts regarding unauthorized XXXX XXXX transactions. I immediately contacted Bank of America and was assured the charges would be reversed. I initially saw the reversals reflected on my account. However, on XX/XX/2026, the same charges were presented again, processed, and paid by the bank. The unauthorized transactions include : * XX/XX/2026 Check Card XXXX XXXX XXXX Card Number Ending XXXX {$310.00} * XX/XX/2026 Check Card XXXX XXXX XXXX XXXX Card Number Ending XXXX {$3500.00} * XX/XX/2026 Check Card XXXX XXXX XXXX Card Number Ending XXXX {$3500.00} * XX/XX/2026 Check Card XXXX XXXX XXXX XXXX Card Number Ending XXXX {$310.00} * XX/XX/2026 Check Card XXXX XXXX XXXX XXXX Card Number Ending XXXX {$310.00} Despite repeated calls and escalation requests, the matter remains unresolved. I was informed the investigation could take up to ninety days, while my business account remains overdrawn. As a direct result of these charges, recurring business obligations including my mortgage and government business loan payments are now failing. I am being charged overdraft fees, and my credit is being negatively impacted. I do not understand how Bank of America identified the activity as suspicious, reversed the transactions, and then later approved and paid the same charges. I respectfully request immediate intervention, reimbursement of the fraudulent charges, reversal of all related overdraft fees, and protection against further damage to my credit and business operations.

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 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
I was checking my credit report and I noticed there was a debt showing up from Jefferson Capital Services. I called the merchant to find out what it was about and they disclosed it was for a debt from XXXX XXXX a creditor that was from more than 7 years ago. I explained to the representative that the debt was from back in XXXX and it should no longer be affecting my credit. Also when I looked at the dates of the reporting from Jefferson Capital Systems, it shows that the date of the collections account was opened was XX/XX/XXXX which is not accurate for the original date the XXXX Account was set up. I advised them that I would be disputing the debt with XXXX. However when I submitted the dispute XXXX notified me that it was declined. I resubmitted a dispute and I have not heard anything back regarding the dispute. Another concern is that during the time that the account was opened with XXXX I was employed therefore they did not check credit to start a wireless account so this was never reporting to my credit before which means my personal information was sold without my knowledge. I'm asking if someone could look into this matter for inaccurate reporting from the credit bureaus as well as not following proper dispute regulations. Also with this debit it is outside of statute of limitations. According to 15 U.S. Code 1681c ( a ) ( 4 ) & ( 5 ) I do have the right to request a removal from the credit bureau 's due to this being a time-barred debt. Also the account can not appear on the account without proper information from the original creditor. This has been an instance of illegal reporting. Also there are hard inquiries that should be removed from my report from years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
This have showed in my credit report this year account number ending XXXX or XXXX or XXXX again for the amount XXXX the same as before also from the same company sound physician emergency from XXXX they constantly keep changing the date the name was different this was not my account nor my bill.They keep changing account numbers Now the account number they have is XXXX open date XXXX.Same amount 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 2026-05-19 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Date opened : XX/XX/year> Amount : {$610.00} 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I recently reviewed my credit report and found a collection account from LVNV Funding that I do not recognize and do not believe belongs to me. I have never entered into an agreement or had any account with this company or the original creditor listed. I am requesting that this account be fully investigated and verified. If it can not be proven that this debt belongs to me, I am requesting that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
for instacash it is a boost that last till the end of the month that other peers can send you which is {$5.00} a person. on the XX/XX/year> c /. XX/XX/year> b / XX/XX/year> t m XXXX. j XX/XX/year>. t XX/XX/year> d XX/XX/year>. i called more than a handful of times to get the problem handled and once again they try to make it seem as if I owed last month also was told supervisor would contact me 2 different times never called

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Heres your CFPB complaint : Subject : PayPal permanently limited my account and is holding {$1200.00} with no valid explanation My name is XXXX XXXX and I have been a loyal PayPal customer for several years. I have consistently used the platform for everyday online purchases and have always been in good standing. When PayPal introduced their crypto feature, I began using it as part of my personal investment portfolio strictly through PayPals own platform as they advertised and encouraged. Most recently, I converted approximately {$3000.00} worth of XXXX through my PayPal account and the funds were reflected in my PayPal balance. I then used my PayPal debit card to make a normal in-store purchase as I have done many times before. A few hours after that purchase, PayPal permanently limited my account with no specific explanation given. I am now being told my remaining balance of {$1200.00} will be held for 180 days. I have already contacted PayPal customer service by phone and email, was given no helpful information, no reason for the limitation, and no path to resolution. I am requesting the CFPBs assistance in having my funds of {$1200.00} released as soon as possible. I have done nothing to violate any terms that were clearly communicated to me. Reference ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal has locked my account and restricted my access while simultaneously processing a financial transaction, which is an unfair and contradictory practice. I used PayPal to make a purchase at XXXX. PayPal successfully withdrew the funds directly from my linked XXXX XXXX account without any delay, and their system confirmed the transaction went through.Despite successfully taking my money, PayPal immediately locked me out of my account, claiming a " security risk. '' They are now holding my financial identity hostage, forcing a mandatory 72-hour system wait time just to upload a photo ID and proof of address. If my account was a legitimate security risk, PayPal should not have processed the XXXX XXXX withdrawal. I demand that PayPal manually bypass this lockout, verify my identity immediately, and permanently close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: VW Credit
State: TX

Complaint narrative:
XXXX XXXX is authorized to furnish this account under the FCRA if Volkswagen CreditXXXX XXXX XXXX remains the listed creditor. Under 15 U.S.C. 1692g, a debt collector must provide meaningful validation of an alleged debt. Courts have consistently held that conclusory statements or limited documentation do not constitute sufficient validation where ownership and authority are disputed. Additionally, pursuant to 15 U.S.C. 1681s-2 ( b ), furnishers of information have a duty to conduct a reasonable investigation upon receipt of a dispute from a consumer reporting agency. Reporting unverifiable or inaccurate information after an inadequate investigation may constitute violations of the FCRA. Accordingly, I demand the following : Immediate reinvestigation of this account ; Complete validation and assignment documentation ; Method of verification used with any consumer reporting agency ; Identification of all parties involved in verifying this account ; Deletion of the account from all consumer reporting agencies if competent evidence can not be produced. Please also note that continued reporting of disputed information without competent verification may constitute willful or negligent noncompliance under the FCRA and FDCPA. This letter is not an acknowledgment of liability, nor permission to continue reporting inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I disputed a charge because citizens told me XXXX charged me twice. Upon disputing it, citizens accredited me, I provided knowledge that proveed I didnt make two transactions and I didnt even receive the service from XXXX .. For one Im banned because I went against XXXX policy ( no disputing charges ). I disputed it because I NEVER got the rental car, prior to getting the rental car I had been renting one of their cars, I got Ina fender bender with a pot hole in the city of XXXX ( the same place I was renting the car ) after this it flagged my account, I later found out this was the REASON I WAS not able to rent a vehicle in XXXX. It also charged me twice! Which is what Ive been tryna tell my bank, they awarded me the credit now they are charging me and soon through collections. I did not make this purchase and actually XXXX had me standing outside at XXXX waiting for approval to get the car with my XXXX XXXX XXXX. I was cold, and in a dangerous ARE!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: United Accounts, Inc.
State: VA

Complaint narrative:
The Original Creditors Name : UNITED ACCOUNTS INC XXXX XXXX. I had got a Joined account with someone and we never received our official bank card from the day we open the account we deposited out XXXX XXXX and that was it next thing we getting charged monthly fees for months that end up being over XXXXXXXX XXXX dollars then they continue to stop and closed out account .. we asked numerous of time how they come up with that amount and previously before told them they we never received a bank card it even can show on record we never used a Offical bank card from them that was issued and this has called to effect my credit score and doing actual business with future banks when we have not did anything from.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I opened a fraud investigation with American Express in approximately XXXX XXXX after discovering unauthorized activity on a credit card account that I had not actively used since paying it off in XX/XX/XXXX. The account had accumulated repeated small-dollar transactions, often under {$1.00}, occurring daily over a period of several months without my knowledge or authorization. I became aware of the issue when American Express attempted to process a payment of over {$7000.00} from my linked bank account. After reporting the activity as fraudulent, American Express opened a fraud investigation. During subsequent follow-up calls, I was instructed by the fraud department not to make payments on the account while the investigation was pending. I was also instructed to disable autopay to prevent additional automatic withdrawals while the matter was under review. After those communications, I never received any written determination, investigative findings, supporting documentation, or notice that the fraud investigation had been closed or denied. I only later learned that the account had been transferred to collections after receiving a voicemail from XXXX XXXX XXXX in approximately XX/XX/XXXX. When I contacted American Express afterward, I was informed only that the case had been closed and that I would need to deal directly with XXXX XXXX XXXX. Despite repeated requests, I still have not received the investigation results or documentation supporting the denial of the fraud claim. The account has since been reported negatively to the credit bureaus, causing substantial damage to my credit profile, including a drop in my credit score from approximately XXXX to the low XXXX. I formally disputed the debt and requested validation and reinvestigation documentation from both American Express and XXXX XXXX XXXX via certified mail on XX/XX/XXXX. Copies of those letters and certified mail receipts are attached. I am requesting : Full reinvestigation of the disputed transactions Copies of all investigative findings and supporting documentation Verification of any notices allegedly sent regarding closure of the fraud investigation Suspension of collection activity pending reinvestigation Correction or removal of inaccurate negative credit reporting associated with this disputed debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: GA

Complaint narrative:
I have repeatedly asked this same company to stop calling me at least 10 times looking for someone by another name. Each time I am told that I'd be removed from from their call list.

Company response to consumer: Closed with explanation