vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: MO

Complaint narrative:
I am submitting this complaint regarding Blackhawk Network , Inc., the issuing processor for XXXXXXXX XXXX XXXX for failure to respond to a documented fraud claim involving two XXXXXXXX XXXX XXXX totaling {$1000.00}, purchased at XXXX on XX/XX/year>. 

What Happened : On XX/XX/year>, I was the victim of a XXXX XXXX-XXXX  impersonation scam. Acting under deception and duress, I purchased two {$500.00} XXXX XXXX XXXX at XXXX and provided the codes to the scammer, who immediately redeemed them. 

I reported the fraud the same day to XXXX and to my financial institution. My bank investigated and reimbursed all other fraudulent transactions related to this scam, validating the fraud. The only loss not reimbursed was the {$1000.00} in XXXX XXXX  XXXX. 

XXXX advised that reimbursement must be initiated by the issuing processor. XXXX stated it could not assist because it does not handle third-party gift cards. 

Issuer Non-Response : I contacted Blackhawk Network multiple times and sent a formal certified fraud demand letter, which Blackhawk received on XX/XX/year>. Blackhawk has not responded, acknowledged receipt, or assigned a case number, despite more than 10 business days passing.

I also filed a complaint with the Missouri Attorney General, which was closed on procedural grounds after noting that Blackhawk is the appropriate agency to handle the matter.

Why I Am Filing This Complaint : Blackhawk Network is the issuing processor with the authority to investigate gift card redemptions and initiate reimbursement. Its complete failure to respond to a certified fraud demand leaves me without a remedy for a validated fraud loss.

Resolution Requested : I am requesting that Blackhawk Network : Conduct a fraud-level review of the gift card redemptions ; and Reimburse the {$1000.00} loss caused by this documented impersonation scam.

I can provide receipts, proof of certified delivery, bank fraud findings, and correspondence upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: CA

Complaint narrative:
I applied for a {$650.00} payday loan. I agreed and was not told the amount I had to pay back. I later contacted the company to see what my payments were going to be and the said they sent the loan agreement in one of the emails I was sent. I soon located the email and learned they are charging me {$190.00} every month until I pay back {$5000.00} on a {$650.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information, as I am a victim of the recent data breach that has affected numerous individuals. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX  XXXX. XXXX XXXX, XXXX, XXXX  XXXX Re : Formal Dispute of Inaccurate Credit Information under FCRA & FDCPA To Whom It May Concern : I, XXXX XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX date of birth XX/XX/year>, XXXX XXXX, am writing to formally dispute the accuracy, completeness, and verifiability of certain items reported on my credit file with your bureau. This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605, 611, and 623, and the Fair Debt Collection Practices Act ( FDCPA ) 807 and 809. 
After reviewing my full credit report, I have identified the following accounts that are being reported inaccurately, incompletely, or without proper verification : - XXXX XXXX Charged-off account ( # XXXX XXXXXXXX ) - Jefferson Capital LLC Collection accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX Charge-offs ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXXXXXX ) - XXXX XXXX XXXX XXXX XXXX Charged-off account XXXX XXXX XXXX XXXX ) - Reprise Financial Charged-off account ( # XXXX XXXXXXXX ) - XXXX XXXX XXXX Collection account ( # XXXX XXXXXXXX ) - XXXX XXXX XXXX Delinquency reported inaccurately Under the FCRA , you are required to conduct a reasonable reinvestigation of these items within 30 days of receipt of this letter. Any item that can not be verified, that is outdated, or that contains inaccuracies must be promptly deleted or corrected. Please also provide the name, address, and telephone number of each creditor or furnisher you contact during your investigation. 
Failure to comply with these legal obligations may constitute willful noncompliance under FCRA 616 and negligent noncompliance under 617, and may expose your agency to civil liability. 
Please send written confirmation of your reinvestigation results and any deletions or corrections to the address listed above. 
Sincerely, __________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I am a federally declared disaster survivor in XXXX following XXXX XXXX ( XXXX XXXX ). Midland Credit Management is reporting and attempting to collect a debt that is not mine. I have never entered into any contract with Midland and do not acknowledge any obligation to them.

I formally disputed this account and requested full debt validation, including the original contract or application, a complete itemization of the alleged balance, and documentation showing lawful assignment or ownership by Midland. Midland did not provide the requested information and continues to report this account. 

This negative reporting is occurring during my active disaster recovery and is directly preventing access to housing, financial assistance, and stability for my household, which includes a minor child with a documented XXXX. 

Midland 's continued reporting and collection without verification violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ). I am requesting immediate deletion of this account from all consumer reporting agencies, cessation of all collection activity, and written confirmation

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

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems response is insufficient and does not satisfy its obligations under federal law. 

I did not ask for the original creditors opinion. I requested proof. 

NCS admits it is a third party debt collector and furnisher reporting this account. As such, NCS is required to maintain and review competent evidence establishing the accuracy and legal enforceability of the alleged debt before continuing to report it. 

Merely stating that the original creditor contends the debt is owed is not validation and does not constitute a reasonable investigation. 

To date, NCS has failed to provide any of the following through the CFPB or the consumer reporting agencies : A complete signed lease agreement bearing my verified signature establishing liability Proof of lawful possession of the unit for the entire period charged A full itemized move out ledger explaining how the balance reached the amount reported Proof that all charges assessed were permitted under the lease and applicable Texas law Proof that NCS had authority to report this account at the time it first appeared on my credit reports Redirecting the consumer to submit documents directly to NCS is improper. All substantiation relied upon to verify this account must be uploaded through the CFPB and provided to the consumer reporting agencies as required under the Fair Credit Reporting Act. 

Under 15 USC 1681e ( b ) and 15 USC 1681i, NCS must ensure maximum possible accuracy and conduct a reasonable reinvestigation. Under 15 USC 1681s 2 and 15 USC 1692g, NCS bears the burden of validation once a dispute is raised. That burden has not been met. 

If NCS can not produce competent evidence establishing the accuracy, amount, and legal enforceability of this debt, continued reporting constitutes unlawful furnishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: NV

Complaint narrative:
I am writing to formally request that you cease all communication This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( c ), which provides me with the right to request that you stop contacting me. Please be advised that I am aware of my rights under the FDCPA, and I expect you to comply with this request immediately. Any further contact from your agency, except as allowed under the FDCPA to inform me of specific actions being taken, will be considered harassment and a violation of federal law. I also request that you provide any written documentation regarding the alleged debt you are attempting to collect. While I understand my responsibilities, I will not tolerate any form of harassment or unethical practices in your collection efforts. Please confirm in writing that you have received this letter and will comply with my request. Failure to do so will result in me filing a complaint with the Federal Trade Commission and the state attorney generals office. Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
EASTERN ACCOUNT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research EASTERN ACCOUNT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: PR

Complaint narrative:
Account was in forbearance/deferment and reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXXXXXX XXXX XXXX collection agency for XXXX I have no knowledge of this account this debt is NOT MINE.

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 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/year>, I received multiple PayPal security alerts for activity that I did not initiate. At XXXX XXXX  EST, PayPal sent me an email stating that a device identified as XXXX  XXXX XXXX XXXX was marked as a trusted device on my account. I did not add this device, and I do not recognize it. 
One minute later, at XXXX XXXX  EST, I received another PayPal email stating that a new device logged into my account from XXXX XXXX XXXX in XXXX, XXXX. I did not log in from XXXX, I do not own an XXXX, and I did not authorize any new device to access my account. 
Immediately after that, at XXXX XXXX  EST, I received a third email from PayPal stating that a decision on a Pay in 4 application was ready. I did not apply for Pay in 4, and I did not authorize anyone else to apply for credit using my PayPal account. 
These three events happened backtoback within minutes, and all of them were unauthorized. I did not log in, I did not add a trusted device, and I did not submit any credit application. This indicates that someone gained unauthorized access to my PayPal account and attempted to use my identity and account features without my permission. 
I am requesting that PayPal investigate how these unauthorized device logins and credit attempts occurred, secure my account, remove any unauthorized devices, and provide documentation showing the device information, IP addresses, and activity logs associated with these events.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding a late payment reported by Upgrade for the month of XX/XX/year>. 

The late payment occurred during a brief period of financial hardship and insufficient funds. This was an isolated incident, and the account has otherwise been in good standing. Once I was able to do so, I promptly brought the account current and have since taken proactive steps to ensure all future payments are made on time, including enrolling in automatic payments. 

I contacted Upgrade to request a one-time goodwill adjustment to remove the late payment, explaining the circumstances and my commitment to maintaining a positive payment history. Upgrade declined my request, stating that they do not offer goodwill credit adjustments at this time, without any individualized review of my situation. 

While I understand that lenders may have internal policies, I am concerned that Upgrade did not reasonably consider mitigating circumstances or exercise discretion for an isolated hardship-related delinquency that has since been resolved. I am requesting that Upgrade review this matter more thoroughly and consider whether continued reporting of this late payment is fair and reasonable under the circumstances. 

I am not disputing the existence of the account or my responsibility for the payment. I am requesting a review of the credit reporting decision and whether a goodwill or courtesy adjustment is appropriate given the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IA

Complaint narrative:
I sent a check via Chime mail by check service on XX/XX/XXXX for {$20.00} and on XX/XX/XXXX to XXXX XXXX XXXX XXXX for a deposit to my XXXX XXXX XXXX XXXX XXXX Account. XXXX XXXX XXXX XXXX informed me that they did not receive the checks. I contacted Chime and I was not able to a live representative, only a AI representative. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for the Capital One Savor Rewards Card. Per the website, new card members are eligible for a {$200.00} bonus if they spend {$500.00} in the first 90 days of opening provided they apply for the card using the link on the website. Seen on the website XXXX XXXX XXXX I was careful to apply using that link and that same day, I charged {$550.00} dollars to the card. Out of curiosity, I called the customer service line to ask when I could expect the receive the bonus ( I was interested in if it would be 90 days after I met the requirement or 90 days after the 90 day period to meet the requirement was over ). To my surprise, the representative said that he did not see the offer in my account and that it appeared I was ineligible for the bonus. He was unable to provide a reason why. He kindly offered that I could submit a case to have myself considered for the bonus and I took him up on this. Today, I received the letter from Capital One stating that I do not qualify for the bonus. Once again, they fail to provide the exact requirement I failed to meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paratus Partners, LLC.
State: CA

Complaint narrative:
Paratus LLC is currently engaging in unfair, deceptive, and abusive medical debt collection practices by knowingly pushing to collect fraudulent medical billing created by the hospital, XXXX XXXX XXXX XXXX XXXX XXXX in an ongoing effort to obtain money that does not belong to it. 

I am XXXX XXXX XXXX. The financial obligation at issue arose from emergency medical services provided after a motor-vehicle accident, during which I was transported for emergency evaluation and treatment. As an elderly consumer receiving emergency care, I was uniquely vulnerable and reasonably relied on accurate medical billing and lawful post-treatment financial practices. 

The hospital, XXXX XXXX XXXX XXXX XXXX XXXX, generated medical charges totaling {$10000.00}, which I formally disputed as fraudulent, excessive, and unsupported. 

The disputed charges include medical services that were never rendered, medications that were never administered by emergency department physicians at the time of my visit, and inflated and duplicate diagnostic imaging charges. 

Specifically, XXXX XXXX XXXX XXXX XXXX XXXX overcharged for a XXXX XXXX  and improperly created multiple XXXX XXXX  charges derived from a single XXXX XXXX, falsely representing that multiple diagnostic procedures occurred when only one XXXX XXXX was performed. These charges are not supported by the medical record and do not correspond to the actual emergency care I received. 

Paratus LLC is not the originator of the hospital billing, but is knowingly participating in the enforcement and collection of this fraudulent billing. Despite receiving written notice that the hospitals charges were disputed and included duplicate XXXX XXXX charges, unrendered services, and medications never administered during the emergency visit, Paratus LLC continues to pursue collection and has failed to require correction or lawful validation of the underlying charges. 

After I refused to pay the fraudulent {$10000.00} charge, Paratus LLC escalated its conduct and increased the amount it is attempting to collect to {$16000.00}. This increase was not based on new medical services, additional treatment, or any lawful charges and remains active and outstanding today. 

Paratus LLCs escalation is retaliatory, coercive, and punitive, imposed after I exercised my lawful right to dispute fraudulent medical billing. The timing and magnitude of this increase reflect an effort to deprive me of my entire car-accident insurance settlement, rather than a good-faith attempt to resolve a legitimate medical debt.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Exto Inc.
State: MO

Complaint narrative:
It was a deposit on a motel room that I made sure I didn't smoke in cuz I stayed like a week and it was cold I remember but is smoking area out back didn't have ash trays so instead of throwing my cigarette XXXX everywhere like everyone else I took it upstairs with me to my room through it in a cup I told Atlas it's part of my XXXX check I made sure that room was spotless before I left they even told me yes I would get my deposit back and this is like the third one Atlas has sided with the merchant you know if I had a really smoked in the room or did anything to get my {$100.00} taken away I would just drop it the other two it wasn't worth fighting this one is they're taking out of my XXXX check they're not listening to me just like the other two disputes it wasn't even supposed to be a charge was supposed to be a hold but they went ahead and let him charge it and I've been fighting ever since trying to get it back please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
Square has withheld my funds for more than 180 days and refuses to release them. My account was deactivated, which I do not dispute, but the funds remain held beyond the maximum stated hold period. Square has provided no written explanation or legal basis for continued withholding and repeatedly cites vague security reasons. There are no chargebacks, disputes, or law enforcement holds. Phone calls and chats have been terminated when I request clarification stating a security issue and to have an amazing day and I am hung up on. I am requesting immediate release of my funds or written proof of a lawful hold.

Company response to consumer: Closed with explanation