vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 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: Upstart Holdings, Inc.
State: IL

Complaint narrative:
I obtained a personal loan from Upstart on [ Loan Date ] for {$4700.00}, which included a {$340.00} origination fee. After deducting this fee, I received {$4300.00} in disbursed funds. The following day, I returned the full {$4300.00} unused and notified the company that I wished to cancel the loan immediately. Despite my immediate repayment, the lender refused to process the transaction as a cancellation or issue any refund of the origination fee. The loan agreement specifically states that any origination fee in excess of 5 % of the loan amount will be refunded on a pro-rated basis upon full prepayment. My origination fee ( 7.23 % ) clearly exceeds that 5 % limit. 
Worse, the lender reported this loan to the credit bureaus as active and with an outstanding balance. After I disputed the entry with the credit bureaus, the reported balance increased to {$390.00}, even though I had repaid the loan in full the day after receiving it. This reporting is false, misleading, and damaging to my credit. 
As a result of this inaccurate reporting, my credit score has now been lowered XXXX points, despite my repayment of the full loan amount the same day I received it. This has caused measurable financial harm and potential denial of credit. I am requesting immediate removal or correction of this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
Someone is using my name to fraudulent open XXXX and XXXX Accounts I tried to dispute them on my XXXX XXXX account but my dispute keeps getting canceled my credit score dropped from a XXXX cause of some accounts I never had before

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 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
The letter I sent to them : Requested access to my funds XX/XX/year> Dear PayPal XXXX XXXX, I am writing to file an urgent hardship complaint regarding my PayPal account, which has been frozen, blocking my access to the only funds I currently have to survive. 

I have already spoken with multiple representatives by phone, and the only guidance I received was to link a debit card to transfer my balance. Unfortunately, I do not have another account or card in my name, and this solution is not possible. 

I am facing a severe financial emergency my electric service is scheduled for shutoff tomorrow, and I have no other way to pay this bill or meet basic needs until my next paycheck. This situation has caused extreme distress and hardship. 

I am urgently requesting : 1. Immediate review and release of my frozen funds, or a temporary withdrawal exception under financial hardship grounds. 


XXXX. Escalation of this matter to the XXXX XXXX XXXX XXXX for immediate handling. 


XXXX. Written confirmation of receipt of this hardship complaint. 



Please understand that withholding access to my only funds during a utility emergency creates a serious and avoidable hardship. I respectfully ask that you take swift action today to resolve this issue. 

Thank you for your urgent attention. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Possible Finance for ongoing and inaccurate credit reporting that has severely impacted my credit score. 
In XXXX, I took out a loan with Possible Finance, and payments were being automatically withdrawn from my account. At the time, I had an outstanding balance of {$81.00}. Due to an issue with my account, I lost track of the loan and had no access to any account records for approximately XXXX years. 

Despite this, Possible Finance continued to report the account as a charge-off to the credit bureaus. In all of XXXX and in XXXX alone they reported charge-offs for the months of XXXX through XXXX, as well as XXXX and XXXX. I made several attempts to contact the company and finally received a response in XX/XX/XXXX, at which point I was informed that the account had been sold to a third-party debt collector, XXXX. 

I subsequently paid off the full {$81.00} balance to XXXX between XXXX and XX/XX/XXXX. Despite resolving the debt for Possible Finance account XXXX, Possible Finance has continued to report false charge-offs to the credit bureaus. 

As of XX/XX/XXXX, another charge-off was reported, which caused my credit score to drop by XXXX points. This continued false reporting is damaging my credit profile and is not reflective of the actual payment status of the account. 

I am requesting the CFPB to investigate this matter and take appropriate action to ensure that Possible Finance and any affiliated credit furnishers cease false reporting and correct the inaccurate data with all XXXX  major credit bureaus. 

Attached are supporting documents, including payment confirmation to XXXX  and recent credit reports showing the charge-off entries. 

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Supported Carrier List XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 Is your mobile carrier not listed ? 

If your mobile carrier is not listed, we are currently unable to text you a unique ID code. Please call XXXX XXXX at XXXX ( TDD/TTY : XXXX ). 

Dell Pay Credit Account Website. Select to be redirected to the home screen. 

The email address we have on file is not accepting our messages. 

Update Email Address Secure Message Center From : You Sent : Saturday, XX/XX/year>, XXXX XXXX  ( ET ) To : Comenity Bank Subject : Other Message ID : XXXX Subject : Billing dispute for defective XXXX XXXX laptop Message : Hello, I would like to dispute a charge on my Dell Pay Credit account for a XXXX XXXX gaming laptop. The laptop is defective the battery lasts less than one hour per charge, and Dell refused to replace or refund it despite warranty coverage. I attempted to resolve the issue with Dell directly, but was blocked from chat and phone support after repeated attempts. 

Please treat this message as a formal billing dispute under the Fair Credit Billing Act ( FCBA ) and confirm receipt of this message. 

Thank you, XXXX, XXXX XXXX Help Privacy Security Credit Card Agreement Terms Shop Dell Pay Search Brands Bread Financial Feedback Copyright XXXX  Bread Financial. This site gives access to services offered by Comenity Capital Bank, which is part of Bread Financial. 
XXXX and the XXXX logo are trademarks of XXXX XXXX, registered in the U.S. and other countries. App Store is a service mark of XXXX XXXX XXXX XXXX and the XXXX XXXX logo are trademarks of XXXX XXXX Dell Pay Accounts are issued by Comenity Capital Bank XXXX XXXX ( TDD/TTY : XXXX ) Feedback

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I live in XXXX XXXX XXXX 

It is illegal to charge for a paper statement in our State. 

The credit card is called CareCredit and they have charged me XXXX paper statement fees of {$1.00} each. ( I have had the card for 2 months now. ) Upon calling CareCredit ( XXXX ) and advising that they are breaking the law in the XXXX of XXXX XXXX, they waived the XXXX {$1.00} fees I was charged. That alone is proof that they acknowledge that they were wrong to charge that fee to my account. 

HOWEVER, a XXXX said it was a one-time thing and that any future fees for mailing a paper statement would not be reversed. 

I am also filing a complaint with XXXX about this same issue. 

Please help me or direct me on how to further address this issue.

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am disputing charge off of my credit report list below due to the incorrect and failure to to meet XXXX XXXX compliance standard

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Future Judgement Solutions
State: NY

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX XXXX, I received a phone call from a woman claiming to represent Future Judgments/ Future Judgment Solutions/ FJS Global. She called from ( XXXX ) XXXX and told me that I allegedly owed {$2800.00} on an XXXX Bank account that she said was open from XX/XX/XXXX to XX/XX/XXXX. 

I told her I had no knowledge of any such account and asked that she send documentation by mail showing when the account was opened, signed, and charged. She repeated my mailing address and then said she would email the information instead. I told her not to email me and that I wanted it mailed to me. She then repeated my email address and asked if it was correct. I did not consent to email communication and did not receive anything by mail as requested. 

Since that call, I have received threatening voicemails from ( XXXX ) XXXX and ( XXXX ) XXXX on XX/XX/XXXX and XXXX, XXXX, stating that they were scheduling a time to deliver documents and that this was my final attempt before escalation. 

On XX/XX/XXXX, I received an email from XXXX through XXXX titled Demand Notice & Affidavit of Sale, asking me to open and sign documents electronically. I did not open or sign anything. That is the only documentation they have sent, and it was not in response to my request for mail delivery. 

I have never received any written validation of this debt by mail, and they have refused to provide a physical address. Their communications appear to violate the Fair Debt Collection Practices Act ( FDCPA ), including : 1692d Harassment or abuse 1692e False or misleading representations ( threats of legal action and document delivery ) 1692g Failure to provide written debt validation within five days of initial contact The alleged debt is also time-barred under New York law , since they claim the last activity was in XXXX. 

I have taken the following actions : Blocked their phone numbers and email Froze my credit with all three credit bureaus Saved their voicemails, screenshots, and the XXXX email as evidence I am requesting that the CFPB investigate FJS Global / Future Judgment Solutions for unlicensed and deceptive debt-collection practices and take steps to stop their harassment of consumers. 

Sincerely, XXXX XXXXXXXX XXXX XXXX NY XX/XX/XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: KY

Complaint narrative:
They have contacted my job trying to get a hold of me, call my cell phone numerous times, contacted my husband and my parents after I have asked them to stop!

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 non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Please remove collections and stop debt collector from harassing me thank you.

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 non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I have an XXXX  Account if you look I pay well over the amount which is inexcess of XXXX a month for a Credit card not loan I asked to pay of the principle balance I was told that I was not allowed to I have cintinued to pay this high payment instead of 2 % of the credit balance I am being ask to pay well over 35 % this is the payment of car not a credit card they are and have been stealing from me help or I will file suite

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Email : XXXX | Phone : ( XXXX ) XXXX XX/XX/year> ______________________________________________________ CERTIFIED MAIL RETURN RECEIPT REQUESTED Tracking No : __________________________ Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Formal Complaint Violations of FDCPA 1692g, 1692e, 1692f and FCRA 1681i, 1681s-2 To Whom It May Concern, This letter serves as a formal complaint and request for investigation into unlawful debt collection and credit reporting practices perpetrated against me by multiple debt collectors listed below.

The following debt collectors have failed to provide lawful validation under FDCPA 1692g and continue to report unverified accounts in violation of FCRA 1681i and 1681s-2 : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX Despite prior and subsequent written requests for validation under FDCPA 1692g, these agencies have continued collection efforts and credit reporting without proper verification. This conduct constitutes ongoing violations of both the FDCPA and FCRA. 

I hereby request your office to investigate these entities for continued collection and reporting of unverified debts, and to enforce corrective actions, including removal of all inaccurate tradelines and restitution for damages sustained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: Global Lending Services LLC
State: CA

Complaint narrative:
I did not authorize this inquiry I have no knowledge of this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I did not authorize this inquiry I have no knowledge of this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Sent someone multiple times to my home to serve paperwork of the lawsuit. Did not receive any letter prior. When I contacted them they demanded a large sum upfront and if paid they would drop the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I have biance.us app to trade cryptos, and i have more than XXXX XXXX which about {$30000.00} in this app. They suddenly make my account can not use and shows XXXX in my account! And They don't have customer service, They just lock my account. I want to get my money back, They don't have the right to take my money lock my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Email : XXXX | Phone : ( XXXX ) XXXX XX/XX/year> ______________________________________________________ CERTIFIED MAIL RETURN RECEIPT REQUESTED Tracking No : __________________________ Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXXC XXXX Re : Formal Complaint Violations of FDCPA 1692g, 1692e, 1692f and FCRA 1681i, 1681s-2 To Whom It May Concern, This letter serves as a formal complaint and request for investigation into unlawful debt collection and credit reporting practices perpetrated against me by multiple debt collectors listed below.

The following debt collectors have failed to provide lawful validation under FDCPA 1692g and continue to report unverified accounts in violation of FCRA 1681i and 1681s-2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, SC XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX Despite prior and subsequent written requests for validation under FDCPA 1692g, these agencies have continued collection efforts and credit reporting without proper verification. This conduct constitutes ongoing violations of both the FDCPA and FCRA.

I hereby request your office to investigate these entities for continued collection and reporting of unverified debts, and to enforce corrective actions, including removal of all inaccurate tradelines and restitution for damages sustained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Email : XXXX | Phone : ( XXXX ) XXXX XX/XX/year> ______________________________________________________ CERTIFIED MAIL RETURN RECEIPT REQUESTED Tracking No : __________________________ Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX DC XXXX Re : Formal Complaint Violations of FDCPA 1692g, 1692e, 1692f and FCRA 1681i, 1681s-2 To Whom It May Concern, This letter serves as a formal complaint and request for investigation into unlawful debt collection and credit reporting practices perpetrated against me by multiple debt XXXX listed below. 

The following debt XXXX have failed to provide lawful validation under FDCPA XXXX and continue to report unverified accounts in violation of FCRA XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX LVNV Funding LLC XXXX Resurgent Capital Services, XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX Despite prior and subsequent written requests for validation under FDCPA 1692g, these agencies have continued collection efforts and credit reporting without proper verification. This conduct constitutes ongoing violations of both the FDCPA and FCRA. 

I hereby request your office to investigate these entities for continued collection and reporting of unverified debts, and to enforce corrective actions, including removal of all inaccurate tradelines and restitution for damages sustained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: AL

Complaint narrative:
I became XXXX months behind on my mortgage. I was originally in a XXXX XXXX bankruptcy when Selene XXXX decided to lift my automatic stay. My attorney reached out to Selene XXXX attorney, but was informed that there was nothing they were willing to do, even after I offered to pay {$4000.00} and apply any remaining balance toward the back of my bankruptcy. 

After being told there were no available options, I began exploring a short sale as an alternative. I gathered all necessary paperwork, and the short sale process was started. There were multiple interested buyers throughout the process, and as recently as XX/XX/XXXX, I had a buyer ready to move forward. 

However, about a week and a half ago, I received a letter stating that foreclosure was scheduled for XX/XX/XXXX. This was extremely discouraging, as I was not given a fair opportunity to pursue other options with the company. The short sale company informed me that it was unusual and unfortunate that Selene XXXX refused to suspend the foreclosure while the short sale was in progress. 

On XX/XX/XXXX, I received a credit alert notifying me that my home had already been foreclosed onfive days before the date I was told. When the short sale company contacted Selene XXXX, they were told the foreclosure sale had already been completed. This eliminated my opportunity to complete the short sale, which would have been far less damaging to my credit. 

I feel that Selene XXXX has blindsided me and acted in bad faith by not allowing any meaningful opportunity to resolve this matter. I also made payments that the company failed to properly credit to my account. I believe these actions were unjust and have caused significant and unnecessary harm to me and my financial record.

Company response to consumer: Closed with explanation