vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: UPGRADE, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a renewed and urgent complaint regarding a fraudulent account that has reappeared on my credit report under a different creditor name, now listed as Upgrade , Inc., which was previously reported as Uplift , Inc. and already disputed and resolved. 
Account details : Current Creditor Name : Upgrade , Inc . 
Previously Listed As : Uplift , Inc. 
Amount : {$2100.00} Alleged loan date : XXXX Type : Travel-related loan ( fraudulent ) Timeline of Events XX/XX/XXXX : I reported this account as fraudulent after discovering a loan I never applied for or authorized. 
XX/XX/XXXX : Following disputes with TransUnion and the Consumer Financial Protection Bureau ( CFPB ), the matter was resolved. 
Uplift confirmed the trip associated with this loan was booked by individuals I do not know, and for a route I have never traveled. 
Recently : The same account has reappeared, now under the name Upgrade , Inc., despite having been previously removed. 
Impact I have never missed a payment on any legitimate account. This incorrect and fraudulent reporting has directly damaged my credit score. As a result, I had my credit limit reduced, causing financial harm. 
Requested Resolution Because this account has already been determined to be fraudulent, I respectfully request : Immediate and permanent removal of this account from all credit bureaus Written confirmation that this account will not be reinserted or re-reported under any name Correction of any damage caused by this inaccurate reporting, in accordance with the Fair Credit Reporting Act ( FCRA ) The reappearance of this account under a different creditor name raises serious concerns regarding improper credit reporting practices. 
Please provide written confirmation once this issue has been permanently resolved. 
Thank you for your prompt attention. 

Sincerely, XXXX XXXX Phone : XXXX Preferred Language : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I made multiple payments through PayPal to a seller named XXXX  XXXX XXXX for the purchase of human hair extensions. The total amount paid was {$19000.00} USD. The seller advertised and guaranteed that the products were 100 % human hair. 

When I received the merchandise on XX/XX/XXXX, I immediately discovered that the hair was not human hair, but synthetic and extremely poor quality. The products were not as described and were unusable. 

I contacted the seller the same day requesting an explanation and a full refund. The seller refused to resolve the issue. I then opened a dispute with PayPal. 

Following PayPals instructions, I returned the merchandise on XX/XX/XXXX. The seller received the returned package, but has kept both the merchandise and my money. 

Because my funds were not returned, I have also incurred bank penalties and late fees. 

This seller misrepresented the product, failed to provide what was promised, and is refusing to issue a refund. I believe this is fraud and deceptive business practices. I am requesting a full refund of {$19000.00} USD and appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX is trying to collect on a debt that is with a different party. 
collection of the amount of {$5500.00}. 
i have requested validation of debt with signature i do not feel as if the investigation was resolved properly. 
still trying to collect debt without validation or my signature i have original contract myself an will provide do not have XXXX XXXX XXXX name on it nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: KY

Complaint narrative:
I had {$4000.00} sent, the person then disputed the transaction, paypal decided ib my favor, but permanently limited my account. Said XXXX before I could get my funds, after that XXXX '' the funds just disappeared out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Fleet Financial, Inc.
State: IL

Complaint narrative:
i wanted to refinance my car. went online and seen XXXX was best chice i applied there for rauto refinance and they give me options to choose from different companies i chose ilending car refinace. i applied on their website XXXX XXXX then called me and said he will be my agent to refinance. he said all cals are recorded. i told him my personal information that he asked that he needed ald also a picture of bill of sale whan i bought the car so he can see if i got a total loss insurance when i bought the car. after that he called me said i do have total loss insurance and for that i will be getting money back. then he said he will call me in a day or 2 with my rates and other options to finish the refinance. i called him next day and asked if we can move forward with refinance he yes hes just waiting for rates otpions and terms itc. and i asked him so how much do you think i can get for the total loss insurance back? he said i do not have that issurance i said but u said that yesterday that i have he said i didnt say it and if i did i was a mstake but you do not have it i said u told me every call i recorded so go back and lislen to it after that he said he will call me right back he never did. i called him 3 times after that on saturday XX/XX/year> and 3 he said its his direct line then i call 3 times and someone else pick up a man and said that XXXX is in another call he will tell him to call me back in 5 min. he never did after that i waited about 1 or 2 hr to call him again and same guy awnsered and said same thing hes on a call cant talk and will call me back in 5 min. adter 2 hr when i called same thing happened for third time. after an hour or so i called number from their website and some gitl awnsered i asked for XXXX she said its the weekend and hes bust but will call me shortly i saked her name she said XXXX and she was one of the loan colsuntant i said i think i was scammed by him i gave him a lot of information about me what he said it wass nessarynow hes avoiding my calls she said i assure you there was no scam hes just busy on weekend. i asked her can you give me some information about this so i can report this to authorities? she said theres no scam theres nothing to report good bye and she hung up. that was it Please help me and find out what happened and if i was scamed or if it was ideneti theft accident. that you i appreciate yiour help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: IL

Complaint narrative:
b'I am a victim of identity theft and am submitting this complaint because XXXX  has failed to comply with FCRA Section 605B (15 U.S.C.  1681c-2). I provided XXXX  with an official FTC Identity Theft Report XXXX and Police Report XXXX XXXX on XXXX XXXX XXXX, yet they have not blocked the fraudulent XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX.\nThe law requires credit reporting agencies to block information resulting from identity theft no later than 4 business days after receiving an identity theft report and proof of identity. XXXX  is in willful non-compliance with federal law by continuing to report this XXXX fraudulent debt.'

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 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Fraudulent withdrawal at Chase bank in XXXX LA XXXX 2025 using a paper withdraw slip for {$1600.00} using XXXX forms of fake IDs Fraudulent withdrawal at CHASE BANK in XXXX LA using a paper withdrawal slip using XXXX forms of fake XXXX {$4000.00} XX/XX/2025 Fraudulent withdrawal at CHASE BANK in XXXX LA on XX/XX/XXXX, for {$3000.00} using paper withdrawal slip and XXXX forms of fake IDS Fraudulent withdrawal at CHASE BANK in XXXX LA using paper withdrawal slips and XXXX forms of fake IDs on XX/XX/2025 {$560000.00} Fraudulent withdrawal at CHASE bank in XXXX LA using paper withdrawal slip and XXXX forms of fake IDs for {$5500.00} XX/XX/2025 Fraudulent withdrawal at CHASE BANK in XXXX LA on XX/XX/2025 for XXXX using a paper withdrawal slip and XXXX forms of fake IDs Fraudulent withdrawal on XX/XX/2025 in the amount of {$3000.00} using a paper withdrawal slip at CHASE BANK in XXXX LA and XXXX forms of fake IDs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: GA

Complaint narrative:
On XXXX an unknown charge was made on my XXXX XXXX XXXX in the amount of {$7200.00}. I notified XXXX XXXX department on XXXX about this charge and disputed the charge. They canceled my card and reissued me another card and opened up a dispute with their fraud team. After theyre initial completion of first dispute Synchrony Bank denied my dispute due to social engineering scam thinking I authorized or benefited from transaction, however I advised them I never talk to anyone during this unauthorized transaction, so how could I have benefited from this transaction. Furthermore, I advised Synchrony fraud team someone should have contacted me before this XXXX transaction was ever approved and they would have realized it was a fraudulent scam. Also they should know where goods were shipped and with a name. This information has never been shared with me.

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 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XX/XX/XXXX, I transferred USD XXXX to an account in XXXX through Western Union ( XXXX ). It was supposed to be available for the recipient by XXXX, and I received a confirmation of delivery from XXXX around that time. When the recipient checked their bank account, the money was not to be found. We asked the bank manager in XXXX and they said they have not received the money from XXXX to transfer the money and need a SWIFT copy to verify such a transaction. Next morning I called Western Union to ask details about the same, they said they have nothing to share on that front and asked me to wait a few days and ask the recipient bank again. I did that and received the same response from the bank manager. I called Western union again and spoke to a customer service supervisor, who escalated my case to the error resolution team. The error resolution team reached out asking for the bank statement of the recipient. This is happening around the second week of XXXX. Once I send the bank statements of the recipient for the months of XXXX and XX/XX/XXXX, they ask me to wait XXXX business days to evaluate. I check with them after XXXX days and they tell me they have closed the case and confirmed that the money was transferred. In all of this time, I have not received a single email updating me about anything on my case. I have to wait for XXXX to talk to the right person on the phone for XXXX and then continue the call for another XXXX to get to the same place. They tell me the case has been close and I get alarmed and ask them more details as to why all this happened. The kind supervisor XXXX, looks at my documents, says it makes sense to refund your amount as the money was never transferred and I will recommend this to the investigating team. We ask for an XXXX form for the same and the bank confirmation details. He reassures that he'll send everything and within XXXX hours our case will be resolved. This was on XX/XX/XXXX. We have called XXXX 3 times since then asking for details and its groundhog day each time, as they repeat the same things and how things are not in their hands, how the investigating team can not be contacted and how I have to wait XXXX hours. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/2026, I received written notice from American Express XXXX  XXXX  denying my application for the American Express XXXX XXXX ( Application Reference No. XXXX ). 

The notice stated that the application was denied but did not include any specific reasons for the adverse action. The letter contained a heading indicating that reasons would be provided, but none were listed. It also did not clearly explain my right to request the specific reasons for the denial or how to do so.

Under the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ( d ) ) and Regulation B ( 12 C.F.R. 1002.9 ), a creditor must either provide the specific principal reasons for an adverse action or clearly disclose the applicants right to request those reasons. I am seeking clarification consistent with those requirements so I can better understand the decision and take appropriate steps to improve my eligibility.

I recognize that my current credit profile may present risk considerations. I am not disputing American Expresss underwriting discretion. Rather, I am requesting transparency regarding the factors involved and a good-faith reconsideration under a limited or starter credit structure that minimizes exposure and allows me to demonstrate responsible account management over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LD Holdings Group, LLC
State: SC

Complaint narrative:
I am writing to make a complaint about a refinance of my mortgage that was completed on XX/XX/year>. 

I reached out requesting a lower monthly payment but I was not made explicitly aware of a rate buy down of {$14000.00} that was baked into my loan. Essentially, my previous loan balance before the refinance was {$390000.00} and I ended up with a loan after refinance of {$420000.00}. I was made to believe that I was getting a lower rate of 4.85 % but in actual fact, this is only a delayed pain as all the equity I built in the home prior to refinance was eaten up by the new loan. 

I strongly believe that if it was clearly explained to me that there was a buy down that resulted in a higher loan amount, I would not have proceeded with the refinance. 

A buy down agreement ( which I believe is a required document ) was not included in the closing documents. Seeing a buy down agreement would have made me think twice about what I was being offered. The loan officer did not explicitly discuss this buy down with me. I believe I was misled and taken advantage of. 

Thank you, XXXX XXXX XXXX loan number XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
This is a formal escalation and expansion of CFPB complaint XX/XX/XXXX ( XXXX ) .New evidence of statutory violations has been identified.

Failure to Provide Provisional Credit & Demand for Treble Damages ( 15 U.S.C. stat 1693f ).

I am filing this formal escalation to document JPMorgan Chase 's systemic failure to comply with the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 XFR Stat. 1005.11 ).

1. Violation of 10 day statutory Deadline : I originally initiated a formal dispute with Chase on XX/XX/XXXX ( case # XXXX, added to report on XX/XX/XXXX, XX/XX/XXXX XXXX & XXXX ). Under 12 CFR stat. 1005.11 ( c ), Chase was mandated to either resolve the investigation or provide Provisional credit no later than XX/XX/XXXX. 
2. 131 day Non-compliance : As of XX/XX/XXXX, Chase has failed to issue Provisional credit, resulting in a negative account balance and severe financial prejudice.

3. Willful Refusal to Provide Written Findings Chase has closed my investigation without complying with 12 CFR Stat. 1005.11 ( d ). Despite my explicit and repeated requests, Chase has refused to provide a written explanation of the specific steps taken in writing explanation of the specific steps taken or the evidence relief upon for denial.

4. Technological Negligence ( Shimmering/Dark Web ) : Chase has demonstrated gross negligence by neglecting to investigate documented " Shimmering '' practices and dark web advancements in chip-cloning technology. By using obsolete investigative standards that do not account for modern " Shimmer '' capabilities. Chase has failed to conduct a 'reasonable investigation " as mandated by federal law.

DESIRED RESOLUTION : I DEMAND the immediate restoration of all disputed funds. Furthermore, because Chase failed to provide Provisional credit within the 10-day window and has acted in bad faith by withholding written findings and ignoring technological fraud advancements, I am formally asserting my right to treble damages ( Three times the amount of the unauthorized transfers ) as authorized under 15 U.S.C. Stat 1693f ( e ).

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
We have a VA loan serviced by Carrington Mortgage Services. Our home in XXXX, TX was severely damaged by a tornado on XX/XX/year> and required gutting and extensive repairs. We elected to rebuild and have continued making mortgage payments. 

Carrington has withheld insurance proceeds already released to them by our insurer for approximately 67 weeks, preventing construction from continuing and leaving our contractor unpaid by over {$110000.00}. Carrington required an inspection, which was completed by their designated inspector around XX/XX/year>. Despite this, Carrington stated the inspection was received out of order and refused to release funds. No work occurred after that inspection.

Carrington failed to schedule a timely follow-up inspection and later required a second inspection by the same inspector, which has now also been completed. We have been told the matter will go to a review board to determine whether any funds will be released, without explanation or timeline.

Additionally, we received a call from an entity acting on Carringtons behalf stating that we wanted to pay off our mortgage, which is false. We never requested payoff and declined earlier attempts by Carrington to have insurance proceeds applied to the loan balance. This raises serious concern that our loan has been improperly flagged as a payoff or liquidation file. 

Carringtons actions constitute unreasonable delay in releasing insurance proceeds, improper handling of escrowed funds, and potential misclassification of our loan, resulting in financial harm and prolonged displacement from our home. We are requesting immediate release of approved insurance funds and written clarification of our loans classification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: Block, Inc.
State: PA

Complaint narrative:
I returned items to XXXX, of a Total amount of & XXXX from various purchase 's. And they have been paid from XXXX and on my credits are still stating {$0.00}. For XX/XX/XXXX & XX/XX/XXXX. The dates XXXX allowed them is the ay past the date. I have proof vs there XXXX XXXX, nobody there wants to take accountability. 
On my platform theres purchase and payments ONLY! 
Not 1 credit card ben when i speak to the workers they can. see and i have a print out from Temu and amounts and dates Scamming me im going to my bank and shut them out of account for there wrong doings I do not trust them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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