vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I disputed a rental collection account before it was referred to collections. Prior to collections activity, written disputes were sent regarding disputed lease termination charges, disputed accounting, and disputed fees associated with the account. Written notice to vacate was provided on XX/XX/year> and acknowledged by management. Despite this, contradictory explanations were later provided regarding the alleged balance and lease charges. I requested supporting documentation, mitigation calculations, and verification of charges prior to referral to collections. The account was nevertheless referred to collections and reported to credit bureaus while the dispute remained unresolved. Additional disputes were submitted after referral to collections, including requests for validation and clarification of the reported balance. I believe the reported information is inaccurate and incomplete due to unresolved disputes and inconsistent explanations regarding the charges being collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: TN

Complaint narrative:
On XX/XX/year>, I authorized a single loan payment of approximately {$900.00} through Upgrade for a financed window purchase. However, Upgrade processed a duplicate payment for the same amount, resulting in two separate withdrawals of {$900.00} instead of one authorized transaction. This duplicate payment was not authorized by me. The second ( duplicate ) transaction caused my bank account to become overdrawn. I contacted Upgrade while the duplicate charge was still in a pending status and requested that they reverse or cancel the unauthorized transaction. Upgrade refused to reverse the pending charge, citing company policy, and stated that I must wait approximately 14 days for a refund of funds that were not authorized to be withdrawn. I spoke with two employees and a manager. As of now, the duplicate payment remains pending, has already impacted my available balance, and has caused financial harm due to overdraft. I am requesting immediate reversal of the unauthorized duplicate transaction, as well as correction or reimbursement of any overdraft fees and account impacts caused by this error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am filing this complaint against PayPal for a breach of its contractually guaranteed " Purchase Protection '' and for unfair and deceptive practices ( UDAAP ) under the Consumer Financial Protection Act. On XX/XX/2026, I paid a PayPal Invoice ( Transaction ID : XXXX ) for {$1500.00} to purchase a laptop. The seller ( XXXX XXXX ) was a fraudster who never shipped the item and blocked me. On XX/XX/2026, I immediately opened a PayPal " Item Not Received '' case ( Case ID : XXXX ). However, due to extreme panic and XXXX, I also contacted my bank ( XXXX ) to stop the transaction, which XXXX coded as an " unauthorized transaction. '' Although I tried to cancel the bank dispute on XX/XX/XXXX, XXXXXXXX XXXX system overrode PayPal 's system, and PayPal permanently rebranded my " Item Not Received '' claim into an " unauthorized chargeback '' status. On XX/XX/2026, XXXX officially denied the incorrect " unauthorized '' claim, reclaimed my temporary credit, and returned the {$1500.00} to PayPal. There is zero risk of double recovery ; XXXX returned the funds to PayPal in late XXXX. However, instead of reverting to my original " Item Not Received '' claim and honoring its Purchase Protection program, PayPal 's automated system defaulted to closing my case on XX/XX/2026, in the seller 's favor, releasing my {$1500.00} to a documented online thief. PayPal 's customer service has refused to reopen the case, hiding behind the automated " chargeback override '' system. PayPals refusal to honor its " Purchase Protection '' guaranteewhen they actively chose to release my funds to a fraudster despite clear evidence of non-deliveryis a bad-faith execution of their user agreement. I have attached a comprehensive 6-page PDF ( 'Document of Evidence Chronologically.pdf ' ) proving the merchant 's fraud and the systemic loophole that PayPal used to close my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: LendingPoint Holdings LLC
State: VA

Complaint narrative:
To whom it may concern, I contacted " XXXX XXXX XXXX '' to resolve or set up a payment arrangement, however these guys were very unprofessional, very rude demanding, threatening legal action and or payment. I was simply trying to setup online payments since they sent me an email stating that i could set up online payment. I made several attempts to setup account online vie the link they sent me but was unsuccessful, so I reached out to them in attempt to set up payment arrangements & was then told they could not set up payment plans with me, because my account is already in pre-legal status and is being verified to be turned over to attorney. they then go on a tirade about my current financial status and how I should be disposing my limited income and that they should be priority referencing current credit approval or denials on my credit report. Also, I tried explaining to them that I am a XXXX XXXX veteran living on limited monthly income and none of that seem to matter to these bullies. Any assistance you may be to this matter would be greatly appreciated. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am submitting a complaint regarding a disputed collection account being reported and collected by XXXX XXXX XXXX. The account is reporting as a collection account with an alleged balance of approximately {$1100.00} connected to The Bank XXXX Missouri. I dispute this account and do not believe the debt has been properly verified. Despite my dispute, the account continues to appear on my credit report as a collection account. I have not been provided sufficient documentation proving that I legally owe this debt. I request that XXXX XXXX XXXX and the original creditor provide : Signed account opening documents Complete payment and transaction history Proof that the account belongs to me Documentation showing the balance calculation Proof of authorization for any charges If they can not fully verify the account, I request immediate deletion of the collection account from all credit reporting agencies and cessation of all collection activity. I also request an investigation into potential inaccurate credit reporting and possible fraudulent or unauthorized account activity under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 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: AZ

Complaint narrative:
I am submitting this complaint regarding conflicting information I received from Capital One representatives concerning promotional bonus eligibility associated with my XXXX credit card account. Prior to applying, I was presented with an offer stating that for opening the Capital One XXXX card, I could earn XXXX bonus miles after spending {$500.00} on purchases within the first 3 months from account opening. Based on this promotional representation, I proceeded with the application and authorized the resulting credit inquiry. After being approved for the account, I contacted Capital One to confirm the promotional details and was informed by a different representative that I would not actually qualify for the XXXX bonus miles as previously represented. Because the account appeared to have been opened based on materially inconsistent information regarding the promotional offer, I initially requested closure of the account. Following additional discussions with Capital One, the account was later reopened and remains active. My primary concerns are : * that I was provided conflicting information regarding eligibility for the advertised XXXX bonus miles offer, which materially influenced my decision to apply for the account; * and that the temporary closure and reopening resulting from this misinformation should not negatively impact my credit profile or account history. Had accurate information been provided initially, I would have been able to make a fully informed decision regarding the application and management of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Independence Capital Recovery, LLC
State: NJ

Complaint narrative:
Made several calls to my fiancee regarding a debt that I have not been properly communicated about Fiancee was contacted during work hours creating a bad situation with her employer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: KEYCORP
State: IN

Complaint narrative:
In caring for my mother at her old age. I became Power of Attorney of her accounts. To include checking, savings, and credit card. I visited the local Key Bank Branch on XXXX XXXX in XXXX, IN. I asked what I needed to be done because the end is near. I was told to bring in the death certificate, and we can keep the account open for XXXX months to make sure any bills, automatic withdraws, or any other bank activity would be handled. No problem. Made sure some other affairs were in order and took the death certificate into the bank. As I am speaking with the branch I was told I will now loose my POA and the accounts would be frozen. I asked to wait a minute and let 's discuss. " Sorry, the death certificate has already been sent. '' The account is now inactive, and you will need bring in an estate affidavit some other documents. Frustrated, I left the bank and returned to another branch in XXXX, XXXX on XXXX XXXX. The lady was very helpful and explained to her that I was frustrated that one the way it was handled, because I followed the information KeyBank was giving me. I questioned the lady in XXXX regarding the credit card in my name. I said I don't want it to affect my credit. She said call the phone number on the back of the credit card and ask them to help you. I called the the XXXX number on the card. Spend XXXX minutes that I simply asked for a letter from the bank that I could keep on file that the credit card that was linked to my mother 's account in my name would not affect my credit negatively. The answer. We can't do that. This is frustrating that I comply to all their paperwork, but they can not provide me paperwork. No one is perfect, but they still had my father as a primary on the account. He passed over XXXX years ago. I supplied death certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year> I got paid. I woke up the next morning. And someone got in my account and sent my whole paycheck through bitcoin. I filed a complaint through Cash App. And its been past 10 business days with no updates. And I have called multiple times. And theyre not telling me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: MO

Complaint narrative:
On XXXX beginning around XXXX ( cdt ) I received a series of emails from a few XXXX email addresses stating that an account had been created in my name, asking for email verification and then on XXXX an email was sent regarding a loan being taken out. At no time have I ever logged into uprova website, created an account, viewed any documentation regarding any of this ( no emails were sent nor have I received anything in the mail ). In short I have never used uprova myself- I believe someone else may have created an account using my name and email address but again I have never logged into the website nor have I ever taken out a loan with uprova. I tried to bring this up with their recommend support email but my complaints left unresolved.

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AUDIT SYSTEMS,INC
State: FL

Complaint narrative:
Audit Systems , Inc. has repeatedly contacted my telephone using prerecorded or automated messages in a manner that I believe constitutes harassment and unlawful collection activity under both federal and Florida law. Audit Systems , Inc. should be advised that repeated telephone calls, excessive calling frequency, prerecorded robocalls, and continued communication after notice of dispute may violate, including but not limited to : The Fair Debt Collection Practices Act, 15 U.S.C. 1692d, prohibiting harassment, oppression, or abuse ; 15 U.S.C. 1692d ( 5 ), prohibiting repeated or continuous telephone calls intended to annoy, abuse, or harass ; 15 U.S.C. 1692c ( c ), requiring debt collectors to cease communication upon written request ; The Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227, restricting prerecorded and autodialed calls to cellular telephones without prior consent ; The Florida Consumer Collection Practices Act, Fla. Stat. 559.72, prohibiting willful harassment and abusive collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I mistakenly sent {$75.00} through Cash App to the wrong person due to a misunderstanding while attempting to follow instructions regarding how the funds should be delivered. I mistakenly believed I was supposed to send the money through Cash App, when I was actually supposed to provide the funds in cash. Once I realized the error, I immediately attempted to resolve it. The recipient acknowledged the mistaken payment and stated they could not refund the funds due to insufficient balance. I filed an appeal with Cash App, but it was denied almost immediately without giving me a reasonable opportunity to provide supporting evidence or screenshots. I contacted Cash App Support by phone and requested escalation of my denied appeal. The representative stated the issue could not be escalated. I am requesting escalation to a supervisor or specialist for further review. I have evidence/screenshots confirming the error and attempted resolution. I am not claiming unauthorized fraud ; I am disputing the fairness and adequacy of the investigation process after a mistaken payment acknowledged by the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Transworld Systems is reporting a collection account on my XXXX credit report for XXXX XXXX XXXX with a balance of {$330.00}. My credit report does not show a " Date of First Delinquency '' ( DOFD ) for this account with the original creditor. Under FCRA Section 623 ( a ) ( 5 ) and XXXX XXXX Format Rule 6.2 ( b ) ( 3 ), any collection account must include the DOFD to calculate the 7-year reporting period. Without a DOFD, this account can not be properly verified and may be past the legal reporting window. I have also requested debt validation from Transworld, including a signed contract or agreement. They have not provided any document bearing my signature. The original creditor ( XXXX XXXX ) is a utility company utility accounts typically do not involve signed, written contracts that would survive a legal challenge. Because Transworld can not verify this debt with admissible evidence, the account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE REMOVE FRAUDULENT ITEMS FROM MY CREDIT REPORT

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: AR

Complaint narrative:
A company but the name Hunter Warfield INC. report to my XXXX XXXX credit bureau about a debt that had my name and social security number but did not have a correct address for me or any other information of mine to pursue this fraudulent allegation. Please assist me in the recovery process or repairing of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I disputed a rental collection account being reported and collected by XXXX XXXX XXXX related to an apartment lease balance associated with XXXX XXXX XXXX. After disputing the account, I received documents from the company including a validation letter and accounting ledger. The validation letter states that the balance due is {$150.00}. However, the accounting ledger provided by the company reflects Amount Owed : {$0.00} after multiple reversals, credits, write-offs, and accounting adjustments. The accounting records contain numerous entries involving credits, reverse charges, administrative adjustments, security deposit credits, and write-offs that create uncertainty regarding the accuracy of the amount being collected and reported to the credit bureaus. After reviewing these inconsistencies, I submitted a direct written dispute requesting clarification regarding the conflicting balances and requested a complete itemized accounting explaining the amount being reported and collected. I did not receive a meaningful response to my follow-up dispute. Despite the unresolved discrepancies and conflicting documentation, the account continues to be reported as an unpaid collection account on my credit reports. I believe the balance being reported and collected may be inaccurate and has not been properly explained or reasonably verified.

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